BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-02
Company: CarMax, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Re : XXXX Erroneous Notices of Delinquency from CarMax Auto Finance XXXX ; XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Although the monthly installment for my loan with CarMax Auto Finance is regularly paid each and every month, I have received four Notices of Delinquency from CarMax in the last XXXX XXXX In the XXXX instances of Carmax  sending these notices prior to the current one, CarMax eventually came to agree that the notices were in error and CarMax retracted their demand for payment of late charges indicated in the notices. Note : I acted to correct the current erroneous notice yesterday and, at this time, have no response from CarMax regarding it. 
To correct these erroneous notices, I have had to call my investment advisor who has had to call his financial service provider and request them to find the cancelled checks and fax a copy of them to Carmax. ( Please be aware that I did not receive a copy of the cancelled checks that the XXXX XXXX XXXX sent to CarMax. ) All this calling, finding and faxing is a waste of time for everyone involved. Consequently, CarMaxs erroneous Notices of Delinquency are acts of harassment by CarMax. This harassment is due to CarMaxs incompetence and failure to rectify their faulty accounting procedures. I also suspect that people who dont keep careful record of their payments could become the victim of overpayment to CarMax due to similar erroneous Notices of Delinquency. 
I am including the following documents as evidence of CarMaxs XXXX : Letters from XXXX Advisor Services and XXXX XXXX XXXX which indicate that the particular monthly installment payments which are the subject of the Notices of Delinquency were made to CarMax on my behalf. 
These letters are Dated : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Notices of Delinquency from CarMax Auto Finance dated as indicated at the head of this letter. 
Current Account Letter from CarMax Auto Finance dated XX/XX/XXXX which indicates that CarMaxs Notice of Delinquency dated XX/XX/XXXX was in error. 
Account Payment History from CarMax Auto Finance dated XX/XX/XXXX which indicates that the XXXX Notices of Delinquency dated XX/XX/XXXX and XX/XX/XXXX were in error. Note that, with this record, CarMax acknowledges they cashed the checks sent for payment of my installment prior to their issuing of their Notices of Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Justice Finance Company
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, Justice Finance Company # XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Account name JUSTICE FINANCE COMPANY XXXX XXXX XXXX XXXX, TX XXXX No phone number available Address identification number XXXX Account number XXXX .... 
Recent balance Not reported Status Paid, Closed. 
Date opened XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXXXXXX : # 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 lo 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 2022-10-22
Company: Experian Information Solutions Inc.
State: TX
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:
To whom this may concern : I am writing this letter to dispute this debt collector off my credit report. I have reached out previously to XXXX XXXX XXXX that they provide proof of validity of debt, in which they only provided a partial amount. They placed 1 item on my credit report one for the balance of {$2000.00}. This debt is not mine. I am requesting that they be removed off my credit report. 

I have enclosed the letter I sent out to the company previously and their response. I had previously filed a complaint with them to dispute the items. Please remove all three items from report they are not mine.

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 2020-10-05
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
The account was opened onXX/XX/XXXX I believe the account balance history is inaccurate. My vehicle was repossessed and sold. I believe I was sold a lemon because the vehicle didn't last me very long. The account is several years old and should be removed from my credit report expeditiously. It would be a great blessing to my family and I.

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 2021-08-03
Company: I.C. System, Inc.
State: CT
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 account does not belong to me. i have no knowledge of this account and have no business with the creditor

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 2022-08-02
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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2021-08-03
Company: Experian Information Solutions Inc.
State: TX
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/XXXX I was notified that there was a collection by XXXX XXXX on my EXPERIAN credit report in the amount of {$3000.00} owed to XXXX and charged under my social security number in the name of XXXX XXXXI filed a police report with XXXX XXXX Police Department ( report # XXXX ) and indicted that I was willing to press charges against the individual if found. I also filed an Identity Theft Report with the Federal Trade Commission ( report # XXXX ). 

Copies of the police report, FTC report, Fl. Drivers license, Passport Bio page were submitted to Experian for investigation and verification. After investigation the credit reports for Experian was updated and the collection was removed. I have since locked all three credit files ; XXXX, Experian and XXXX. 

I assumed this was the end of this situation and departed the country as I do every year for 6 months. Upon my return on XX/XX/XXXX, I was surprised to see that once again there was a collection from XXXX in the amount of {$3000.00} submitted by XXXX  XXXX. I immediately called EXPERIAN and the collection was removed the same day. 

On XX/XX/XXXX the same collection reappeared on my EXPERIAN report. THIS IS THE THIRD TIME THAT A TWICE PREVIOUSLY INVESTIGATED FRADULENT CHARGE HAS REAPPEARED ON MY EXPERIAN CREDIT REPORT. What is going on over at 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 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX not investigating dispute in 30 day periods.

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 2022-10-22
Company: Avant Holding Company, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I live in NJ and the law for this state says that a company can't charge more than XXXX XXXX for a personal loan. Avant is charging me XXXX XXXX  which is violating ursury law. I'm entitled to all intrest paid to be counted towards the payoff of the loan. After talking to them they cut my payment from {$430.00} to {$250.00} per month, but still never changed the XXXX XXXX rate to under XXXX XXXX And if you look at the credit reporting for this it has alot of missing information as though there trying to hide the fact of over charging me. They don't even post a payoff date. I notified them of what there doing is wrong early into the loan. But they refuse to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: EQUIFAX, 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:
XXXX, XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: SC
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
Employers : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XX/XX/2020

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 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
5 years ago XXXX placed fraudulent information on my credit file indicating I owed them {$650.00} +or - for which there is no truth. The truth is I was lied to by their rep while in the office, given some paper work to take home which required me to return with the needed information before opening an account with them. When I reviewed the information I knew they were not reliable and return all of the material the next morning to the same office from which I was given the material in XXXX XXXX. That should have been the end of our short association but they didn't like my rejection and filled the fraudulent information. I have no reason to check my credit report but when I was sent a statement that my FICA score had been reduced and asked for a report I discovered their lying ways. Trying to work with you has been impossible because of the stupidity of your rulels.

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 2021-06-21
Company: MoneyLion Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The week of XX/XX/XXXX, my checking account with XXXX XXXX  was compromised and a fraud investigation was opened, and it was determined that my identity had been stolen. ( All issues with XXXX have been resolved ). XX/XX/XXXX, I received a letter from MoneyLion Inc with a debit card for an account in my name. I had not opened any account with this bank. When I called for more information, I was told that there was an account on file in my name and also a loan for the amount of {$110.00}. I informed them that this had been opened fraudulently, told them about my identity theft, and that I would like the accounts closed. I offered to provide them with documentation such as the police report I filed the previous week to support my claim. I was told that both accounts would be closed and a fraud agent would call me to follow up within 3 days. A week later, I still had not received a call back and tried to follow up, but was hung up on during my first call transfer. As of XX/XX/XXXX, I have not received any follow-up from MoneyLion. 
On XX/XX/XXXX, I received a XXXX  credit alert about a new account and found a MoneyLion personal loan in the amount of {$1000.00} ( NOT the same amount I was told on the phone in the first place ) that was taken out on XX/XX/XXXX. I have also tried to contact MoneyLion online, but when I tried to make an account, I was told my information ( SSN ) already exists in there system and to sign in instead ( obviously I do not know the username or password for this account, since I did not make it ). I have already filed a police report, fraud reports with all three credit bureaus, an IRS Identity Theft Affidavit, and an identity theft report with the FTC, but I have been unable to get any assistance from MoneyLion in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a deposit of {$4900.00} was made into my account and the sender told I need to send this out so I can buy the need equipment for work. 

On XX/XX/XXXX a deposit of {$4900.00} the person say the same thing In XX/XX/XXXX a deposit of {$4900.00} the same person say the same thing On XX/XX/XXXX a final of deposit of {$4900.00} the person say I need to do the same thing again if I want the job but then my bank stop the transfer pending a investigation but they just close my account and then now saying the funds that was transferred out I needed to pay it back. But I try to tell the bank this was due to fraud but they didnt listen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies ( XXXX, XXXX, Experian, XXXXXXXX XXXX ) stated that these accounts were properly investigated and came back as verified. However, how could this be true when there are several inaccuracies showing on my consumer report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Alleged Account Name : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXXXXXX XXXX XXXX XXXX Alleged Account Number : XXXX 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 explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: IL
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:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies ( XXXX, Equifax, XXXX, XXXXXXXX XXXX  ) stated that these accounts were properly investigated and came back as verified. However, how could this be true when there are several inaccuracies showing on my consumer report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Alleged Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Alleged Account Number : XXXX XXXX XXXX XXXX Alleged Account Name : XXXX XXXX XXXXXXXXXXXX XXXX  Alleged Account Number : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX  XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Experian Information Solutions Inc.
State: AR
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:
SEVERAL BANK PULL MY HARD INQUIRIES FROM ALL BUREAUS, XXXX XXXX, XXXX XXXX ETC.

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