BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: CarMax, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I applied for a car at CarMax I was told that I needed XXXX down was gon na put XXXX  down on the renegade. I was approved at this time it was make the money to buy the car I had made the money and paid rent for a family member I then was short, no money no big deal ill work extra and make the money back. They ran my credit over 5 different times I wanted the renegade and they destroyed my credit payments every month on time and no problems I was focused on building my credit and yes the car would have finished raising my credit these were unauthorized runs against my credit. I ask them to fix it they said it was identity theft and transferred me to a number and I now have left a message my credit dropped XXXX XXXX after I have worked so hard and was trying to help another not to loose their credit with their housing I have not once but over and over been putting up with this kind of business on my phone and others violating my life I am asking you please help me get this off my report and back to the score I had before trying to better my life somemore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid in full 2 medical debts for First Federal Credit Control in XXXX of 2016. Proof of payment is available. I was assured the debt would be closed and removed from my credit bureau. The accounts were not closed, and after contacting the debt collector they stated they were having communication issues with XXXX. I have attempted to call numerous times to resolve this with no help. I now have two more debts with this company that I was unaware of, one for {$38.00} and one for {$120.00}. Which I want to pay but I will not pay another debt with them until they resolve the first issue which is still impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian does not allow consumers to quickly freeze their credit online or by phone. It has insufficient and unsatisfactory means to contact them for problems with placing credit freezes. 

Their website includes misleading and incorrect information and there is no way for a consumer to actually contact them about security freezes. 

On XX/XX/XXXX 2017 -- after I found a fraudulent charge on one of my credit cards AND found out I was part of the Experian data breach -- I attempted to freeze my credit at all three main credit bureaus. 

The Experian website did NOT allow me to place a freeze, instead directing me to MAIL all the needed information -- including sensitive information like my complete Social Security Number and other identifying information -- to an address. 

( Specifically, I entered all my information correctly online -- as I had at the other two credit bureau sites -- and Experian would not allow a credit freeze to be placed. It simply said they were " unable '' to do it ... no explanation about why ) Because I had just been the victim of fraudulent charges, I did not want to proceed by mailing all of my sensitive credit information by the postal service. 

The website said however, that security freezes could be placed by phone. This web page clearly states they can be placed by phone : https : //www.experian.com/blogs/ask-experian/how-to-add-a-security-freeze-to-your-credit-file/ However, when you call the stated number, you can not. ( It 's not that there was a problem specifically with ME doing it ... if you go through the lengthy phone tree, as soon as you select that you want to place a security freeze by phone, the message says you ca n't )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: Army and Air Force Exchange Service
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint involves the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and the Exchange Credit Program ( ECP ) that manages the STAR Card. The card has a retail balance, which carries an 18 % interest rate and a military clothing balance, which carries a 0 % interest rate for 8 months. In early XXXX, I purchased {$500.00} of military uniforms, which should have carried the 0 % rate. I discovered this week ( XXXX XXXX ) that the balance was instead placed on the retail side. I contacted the ECP to find out what happened, and the operator ( XXXX, no further information ) stated that she submitted the request for the correction, but the department in charge would have to decide whether or not to approve. I feel I've worked in good faith to correct this problem, but ECP seems to treat the error as an inconvenience ( I was originally directed to take my problem to the store with my receipt ). I just want the balance of the account to be reflected appropriately -- under the military clothing side ( 0 % interest rate ) that I was made to believe at the time of purchase. Any interest accrued on this account needs to be reversed.

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 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Dear CapitalOne Tech Support, I have not been receiving any account status emails such as statements, alerts, and notices for all 3 of my CapitalOne accounts since XX/XX/2020. I often verify the email is in fact working and receiving from other sources, yet it is not working for CapitalOne for some reason. Before fixing the issue, it is important that you first verify it is not working. I will give you access to my email to help you debug and resolve the issue on your end, for it does receive emails from other sources. I will work around your schedule and assist you in every way possible. Please call me at the cell number listed in my account. 

Thank you very much XXXX XXXX Accounts ending in : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, Account XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and Account XXXX XXXX XXXX XXXX XXXX and Account XXXX XXXX XXXX XXXX has violated my rights, They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions They also violated my rights 15 U.S.C. 1681 SECTION 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

They also violated my rights 15 U.S.C 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish account with my written instructions.

They also violated my rights 15 U.S.C 1681e ( b ) and 15 U.S. Code1681i ( 5 ) This account is in violation, not reporting 100 % accurate it lists the child support court as the furnisher that is forgery and misleading when the courts do not report this type of account.

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 2017-08-22
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient refused to work with me on a repayment plan. I called them XXXX of XXXX? or XXXX, I ca n't remember but after they refused my payments and to work with me, they did a forbearance and said I have to start paying back XXXX XXXX. I have a CHILD! mortgage, power, water, gas, phone, car, car insurance, credit cards etc. I ca n't believe Navient does n't take into consideration all these bills I have ( i 'm sure i 'm not alone in this either ) but why dont they take mortgage into a consideration? I have a child who HAS to go to after school so I can work, do they not take that into consideration either? I ca n't stop all my bills just so they can get theirs. I have to have means of living and it XXXX me off Navient did n't work with me at the time I asked so I had to ask for MORE forbearance before I have to start paying back my student loans. I even offered to pay XXXX or XXXX a month and they refused it. I 'm wanting and offering to pay back as much as I could and it blows my mind, they say, " no ''. Who does that? I would 've NEVER gone to college if I knew it was going to be this much of a pain to pay back loans and even them wanting SO much a month. It 's crazy. I have a life to live and it 's not to put all my money towards student loans. Things change, life changes and they should work with the person to be able to afford within their means. I want Navient to accept my monthly payments as well as get rid of the interest that have piled onto my loan since they did n't want to accept my offer. As a matter of fact, when I had to start paying back my loans ( ca n't remember the year ), they denied it at that time too. So for however long i 've been holding off on my loans, I want all that interest taken off because I tried to pay it back more than once and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, INC.
State: DC
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:
After I submitted a dispute with Equifax, and they investigated, as is my right under FCRA rules, on XXXX XXXX, XXXX, I requested information on the investigation itself : Please see attached letter from me to Equifax for details. They ignored my request. So on XXXX XXXX, XXXX, I sent them a letter ( attached ), informing them of my intent to file a claim with the FTC. They ignored this letter also. I am now filing a claim with the CFPB, which has been designated by the FTC as the agency with which FCRA violations should be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Paypal Holdings, Inc
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I paid XXXX thru Venmo to an individual for a place to rent. The place was advertised on XXXX. I now know the individual should have registered as a business account. Venmo needs to do more to verify the accounts they allow to use their services. The individuals name is XXXX XXXX. He had me make the payments to XXXX. XXXX XXXX email address is XXXX. I moved to AK with the intent of moving into XXXX XXXX XXXX XXXX. I had verified XXXX XXXX owned the property thru the XXXX XXXX website. Upon arriving in AK, I went to the residence. XXXX XXXX doesnt own the property and someone else lives there. I am in desperate need to get my money back, to be able to find a different place to rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ALLY FINCL XXXX Balance : {$5200.00} ALLY FINCL XXXX Balance : {$36000.00}

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have on several occasions disputed the validity of the Bankruptcy on my TransUnion report. I submitted dispute in XX/XX/2022, whereas TransUnion returned a verified by secondary furnishers. See Attached. Therefore, they have violated my rights as a consumer based on 15 USC 1681c that states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) cases under title 11 or under the Bankruptcy Act that from the date of entry of the order for relief or the duster of adjudication as the case may be antedated the report by more than 10 years. '' Also Section 623 ( a ) ( 1 ) ( A ) of the FCRA provides that a person shall not furnish information relating to any consumer to consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Also in section 623 ( a ) ( 2 ) of the FCRA provided that a person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnsihed to a consumer reporting agency of that determination and provide to the agency any corrections to the information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate.

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 2017-08-22
Company: ALLY FINANCIAL INC.
State: TX
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I was purchasing a vehicle back in XXXX and Ally Financial ran my credit 7 times, there is no reason why it should put 7 inquiries on my credit report. I sent a verified letter to the dealership and to ally financial, and I got a response back that it was " factual ''. I am trying to purchase a home for my family right now and this is damaging my credit.

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 2017-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Transunion is required by law to add an identity alert to my file. I provided a filed and accepted/approved police report and they repeatedly mail me a letter saying they refuse to obey the law and add an identity theft alert. They claim there 's been a misrepresentation of facts. In fact, this is a blanket letter they are sending out and using this letter as an excuse to violate the law, which is punishable by a class action lawsuit and fines from federal regulatory agencies. Numerous people have reported this to the Attorney General, supplied their valid police reports, and the AG is looking into it. For now, they have asked us to have your agency investigate. They have sent out thousands of these fraudulent letters.

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 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXX XXXX. XXXX, GA XXXX. 
XXXX. XXXX XXXX. XXXX XXXX XXXXXXXX. XXXX, TX XXXX. 
TransUnion. Consumer Solutions. XXXX XXXX XXXX XXXXXXXX, PA XXXX. 

complaint sent your office mean time, with ftc complaint credit report cause us to be XXXX and money taken out our action 's your office failed to make they remove the old info, your office had proof of the action with letter enclosed again. now collections are now using new numbers s. Secretary XXXX XXXX XXXX office a compliant as well fha programs are being affected. by this reporting police reports from oregon and utah has been sent your office and the 3 credit burros. with cifit request

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 2022-06-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I refinanced my loans with NaviRefi after repeated emails that were spaced approximately 4 days apart beginning in XXXX. I finally refinanced with them beginning on XX/XX/XXXX. I was not notified specifically that the loans that they refinanced were federal loans. The representative went through the list of loans, and by interest rate they were refinanced. These loans were federal loans that I have now lost the ability to gain forgiveness on although I am eligible for PSLF. They used their contract with the government to be able to access not only my loans they were servicing but other federal loans to benefit. It is another case of Navient benefiting at the cost of their borrowers. I contacted them this evening to obtain the information from my loans as well, as none of the information is on their website. Due to their required transparency PSLF eligible borrowers are now being notified, however, they did not do their due diligence prior to converting my federal loan into a private one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: NJ
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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
American Express Serve, system has been down for over 24 hours, no access to website, app and/or customer service. No idea if Direct deposit went in since I have no access to my account and the card does not work.

It is outrageous that this company is holding customers money hostage without access to our hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: JPMORGAN CHASE & CO.
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:
upon checking my credit report I observed an address and a account that is on my reports that are not mine. I have been victimized by identity theft and I would appreciate it if you would assist me in the removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Kikoff Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Stop bothering me with this XXXX I dont even know what its about only what Ive read take me off you calling list I will call the XXXX XXXX XXXX  stop with the harassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation