BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: MN
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:
The following information on my Clarity Consumer Report is inaccurate and not my information : All of Check Cashing Details and information is inaccurate and not my information. The last time I cashed a check was in XX/XX/XXXX. I havent cashed a check since XX/XX/XXXX, all of the inquiries not seen by others are not my inquiries, the following personal information is incorrect and not my personal information : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, the addresses listed on my Clarity are not my addresses, the only address thats my address is XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX, I been living at XXXX XXXX XXXX. XXXX XXXX, XXXX, MN XXXX since XX/XX/XXXX, All of the banking information listed on my Clarity Consumer Report is inaccurate and not mine. I have never had a checking account with a bank or credit union. All of the employment information is inaccurate and not mine. I have never had a job. Im physically XXXX. The following e-mail address is not my email : 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 2022-06-27
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX and # XXXX XXXX XXXX  # XXXX, have violated my right. 

15 U.S.C. 1671 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A. 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 explanation
Consumer complaint received 2022-04-24
Company: CarMax, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CarMax Account number : XXXX Date Opened : XX/XX/XXXX CarMax has been reporting misleading, inaccurate, inconsistent and unverifiable information on my XXXX XXXX XXXX XXXX and XXXX credit reports. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners credit report as well. 

Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. CarMax continues to spitefully report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. 

There are several pieces of information that CarMax is reporting is different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. CarMax as well as the credit bureaus seem incapable of or unwilling to resolve our disputes. 

They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This only is a violation of Federal laws. CarMax is using abusive, deceptive and unfair debt collection practices. 

I have contacted CarMax and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. 

We feel that CarMax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause mental anguish, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. 

Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, XXXX and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Block, Inc.
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022 I bought an XXXX XXXX XXXX in amount of {$600.00} on XXXX XXXX through Afterpay USA. I paid Afterpay a down payment of {$160.00} for this purchase and they created a one time card to be used to pay for the purchase. 

On XX/XX/2022 I received an email from XXXX XXXX stating that my order would be cancelled because my card failed the authorization process. Since the card failed the authorization process, it was never charged. The order was cancelled by end of night XX/XX/2022. 

I then reached out to Afterpay that same night to inform them of the order being cancelled. I was told by Afterpay that I would have to wait until XXXX XXXX refunded the money back to Afterpay and then the money would flow back to me. I was told I could submit evidence of the order being cancelled which I did. I received an email thanking me for evidence but reenforcing that they will not be giving me my money back until XXXX XXXX processes the refund. 

On XX/XX/2022 after a week of no money or resolution, I reached out to XXXX XXXX ( chat AND over the phone ; XXXX separate associates they said the same thing after looking into it ) to see what the hold up on the refund was. XXXX XXXX informed me that because the authorization failed, they never received any money for the purchase therefore could not issue a refund. They told me I would have to speak to my bank because theyre holding the money. My bank in this case being Afterpay who is currently holding the money. 

I reached out to Afterpay on this same day with this new information including screenshots of XXXX XXXX confirming they never received any money to process a refund. Afterpay AGAIN responded that I would have to wait until XXXX XXXX processed a refund. XXXX XXXX never received money from Afterpay for the product ; the money never changed hands. So currently Afterpay is sitting on the {$600.00} it owed XXXX XXXX and the {$160.00} that I paid as a down payment. 

Mind you, I am still responsible for paying for this product which I have not received. I pushed the payment back to next Tuesday XX/XX/2022 in hopes that this will be resolved by then and I wont lose out on anymore money. At the moment I am out {$160.00} that Afterpay refuses to give me and will be out {$600.00} in total if this is not resolved. Again no product to show for anything & XXXX XXXX never received the money to issue a refund. Just terrible customer service on Afterpays end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The Creditor were created to ruin the consumers LIFE and get paid. 

I am so tired to complaining to you how unfairly the bureaus are. 

This time I am complaining about the number of inquiries they have tabulated for me. 

I am XXXX XXXX the person and XXXX XXXX doing business as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX How many inquiries am I allowed now? What's fair About that?

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 2022-11-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Credit Acceptance has been and still is to date, violating my federally protected rights not only under the TILA but FDCPA and the FCRA. Credit Acceptance is using Extortionate means to coerce and swindle me into paying a alleged debt that is primarily for family, personal and household use violating 18 USC 894. It is unlawful to punish a consumer on an extension of credit and the employees/agents of the company that has handled this account assume criminally liable and can face up to 20 years in jail. Credit Acceptance has violated the FDCPA infringing upon my rights to privacy, sending a 3rd party repo company flashing there lights on my home with the intent to harass and oppress me into paying the alleged debt disregarding my Cease and Desist violating 15 USC 1692c ( c ) and 15 USC 1692d. I am now ACTING IN GOOD FAITH giving your company a chance to rectify this dispute. Check attachment!

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 2022-06-07
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 XXXX XXXX XXXX XXXX XXXX has violated my rights in the amount of {$1700.00}. 

15 U.S.C 1681 section 602 A ; Stated I have the rights to privacy.

15 U.S.C 1681 section 602 A Section 2 ; It also stated a consumer reporting agency can not furnish a account without my written instruction.

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 2022-06-27
Company: EQUIFAX, 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 information incorrect

Complaint:
In accordance with The Fair Debt Reporting Act XXXX  Account with XXXX XXXX XXXX. has violated my rights 15 U.S.C 1658 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions... .I have not given any such permission or instructions.

15 U.S.C 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX and # XXXX XXXX XXXX XXXX XXXXXXXX, have violated my right. 

15 U.S.C. 1671 Section 602A : States I have the right to privacy.

15 U.S.C. 1681 Section 604A. 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 explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, 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:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be re-investigated. 
XXXX XXXX Acct # XXXX I have attached my credit report from both Equifax and XXXX and each one have very contrasting payment history. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-04-24
Company: Navient Solutions, LLC.
State: TX
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:
To Whom it may concern : I have tried to explained for over 15 years to Navient about both of these loans and XXXX XXXX for over 25 years ago before they sold it to Navient -Dispute. My loan was done by fraud by the college. I graduated in the fall of XXXX and walk in XXXX took no classes and was on a full ride XXXX XXXX. This has been over 36 years ago and I will be XXXX XXXX XXXX in XXXX. I live in Texas and should have been apart of the Navient lawsuit for them telling me they will investigate and never did, but push me to do a forbearance plan every other year while they investigate. My son student parent loan for XXXX XXXX was in dispute he only went to school 2 months and was kicked out. But the school requested money for a full year. I spoke with a employee of the business office when XXXX went thru that bad flood and she said the records was all over the place and the some of the funds went back to the federal government. She did help me understand that he & I was overcharged. Also I didn't receive any info about about him being kicked out of school? I have requested 100 times from Navient the original loan papers -nothing. Also we filed Bankruptcy back in XXXX and Navient was in included but drop off. They are still charging me interest and collections letters .The U.S. Department of Education announced another extension of the pause on student loan repayment, interest and collections, through XXXX XXXX, XXXX. Your Loans Loan Type Due Date Amount Status Auto Pay Show more information XXXX Parent PLUS Loan FFELP Payment Due Current Due XX/XX/XXXX {$130.00} Unpaid Fees {$22.00} AlertPAST DUE XX/XX/XXXX {$510.00} Show more information XXXX Consolidation FFELP Payment Due Current Due XX/XX/XXXX {$370.00} Unpaid Fees {$65.00} AlertPAST DUE XX/XX/XXXX {$1400.00} Original Principal {$20000.00} but loan per them /Unpaid Principal Total Amount to be Repaid {$110000.00} {$52000.00} Unpaid Interest {$1700.00} Unpaid Late Fee {$65.00} Current Balance {$53000.00} Original Principal {$12000.00} Student XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$28000.00} Unpaid Principal {$17000.00} Unpaid Interest {$600.00} Unpaid Late Fee {$22.00} Current Balance {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX : XX/XX/2017 Balance : {$1700.00}.

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 non-monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 States a consumer reporting agency can not furnish an account without my written instructions. 
XXXX. XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Acct XXXX XXXX Bank ( Acct.Number Unknown ) Inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: MD
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:
On XXXX, XXXXXXXX XXXX I asked Equifax to investigate the below listed accounts for accuracies. On XXXX, XXXX. XXXX Equifax responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Monthly payment. Inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXXXXXX XXXX XXXX # XXXX Payment status. Inaccurate Date last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXX XXXXXXXX XXXX # XXXX Account status. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was notified online on XX/XX/XXXX that my XXXX loan payment count was XXXX and my loan balance was now zero. On XX/XX/XXXX that same information was on the Federal student aid website. On XX/XX/XXXX, I received a written confirmation that my loan had been forgiven. On XX/XX/XXXX, I added an online question/complaint to Federal Student Aid concerning the timing of my refund since I was 36 payments past paid in full. The Federal Student Aid website shows my loans were paid in full on XX/XX/XXXX. I continued making payments until XX/XX/XXXX, so I believe that I should have a refund of 30 payments of about {$480.00} each. Six of the payments were zero payments on forbearance. I asked that I receive some confirmation that I would receive a refund and when I could expect that refund to come. I have received no reply from Federal Student Aid and MOHELA says its all in the hands of the Dept of Ed/Treasury/Student Aid . ( who knows ). Its now over 60 days, and Ive still not heard anything. I just want someone to respond and confirm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: OK
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 XXXXXXXX Reference # 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

Company response to consumer: Closed with explanation