BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
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:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of XXXX : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft. I recently pulled my credit report and noticed a collection that was placed on my credit report from a company that was opened by someone else. I was a victim of identity theft. This account was not opened by me. I am in desperate need for this to be removed and blocked. This has made my life very hard as I am in the process of trying to purchase a home for me and my son. Please remove as soon as possible please. 

Take Care, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Incomm Holdings Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a vanilla gift card for my daughters birthday worth {$200.00}. I tried to use it on XX/XX/2023, and the card was declined. I tried it XXXX times the card was declined. Finally, when I decided to check the balance, it showed multiple transactions I did not authorize from XXXX XXXX and others. 

The transaction I attempted to make was at XXXX XXXX XXXX and had a {$20.00} hold on each, which was a total of {$60.00}. Finally, the card had a {$4.00} balance with all transactions I did not approve, so I attempted to call customer service for the vanilla gift card. They hung up on me three times, but I recorded the calls. I will provide it if necessary, but this tells me this is a fraud. I did look it up online, and there seems to be a big scam going on with this vanilla gift card, so Im reporting it to see if I can have my gift card resent because Im not able to fix this with the company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I made an insurance claim on damages to my home from a storm. I received a check for {$10000.00} from XXXX XXXX. XXXX banks with XXXX XXXX The check was made out to me ( XXXX XXXX XXXX, but was to be endorsed by me, my mortgage company ( XXXXXXXX XXXX ), and my private adjuster. I never got the check in my mailbox and it was lost in the mail I assume. I later found out that my check was cashed with a BMO Harris bank in XXXX XXXX Florida. I never have banked or have I done any business with BMO Harris Bank in the past. I responded to the bank and talked to a bank manager. The check was not endorsed by required parties, but was cashed. I never authorized this and received no funds. I reported this with a fraud affidavit with XXXX XXXX. BMO Harris bank is not responding to my insurance company or XXXX XXXX. I dont know who got my funds, but I do believe they cashed the check because the party had a BMO Harris checking account. The check was fraudulently cashed in early XXXX of 2023. I made a formal complaint to all parties in XXXX. I have sent numerous emails, spent hours on hold with BMO Harris fraud department and have gotten nothing.

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 monetary relief
Consumer complaint received 2023-06-12
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account information incorrect

Complaint:
Toyota Finance Services went back to my credit report which was showing " Current '' on my on-time payment and change it to " Late '' payment, which is not true, I paid on time and they even reported " Current '' previously. I don't understand what made them ruin my credit for no reason. 
I am a XXXX in the middle of leaving my duty station ( XXXX XXXX ). I am looking for an apartment in the next 2 weeks, Now I am stuck since they ruin my credit. I don't know what to do, it's causing me stress and XXXX. 
I call them to try to resolve it but they said they can't do anything until I file a complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Minto Financial dba Minto Money
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
They did not disclose interest charges. The interest charges are 644 % which is an absurd amount of money to be charging for a {$750.00} loan. I had to pay {$2100.00} to close out the account for a {$750.00} loan for a loan I took out in XXXX and we're in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Carvana Group, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I am getting multiple HARD INQUIRIES on my XXXX app. 
1. XXXX 1 XXXX XXXX 2. Carvana XXXX. XXXX XXXX  XXXX 4 XXXX XXXX XXXX I am also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: GOLDEN 1 CREDIT UNION, THE
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: Credit inquiries on your report that you don't recognize

Complaint:
I am getting multiple HARD INQUIRIES on my XXXX app. 

1. Golden 1 Credit Union XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also getting denial for credit from others a. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I never made these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CITIBANK, N.A.
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:
Dear, Consumer Financial Protection Bureau, I am writing to dispute one late payment entry on my credit report that was reported by THD/CBNA. The account in question is a credit card account that I have held since XX/XX/XXXX. These late payments were not intentional and were a result of unforeseen circumstances that occurred during that time. I have never missed a payment on this account, but due to financial hardship, a payment was made late. As you may be aware, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act was passed in XXXX of XXXX to provide financial relief to individuals and businesses affected by the pandemic. The CARES Act included provisions that allowed borrowers to request forbearance on certain types of loans, including credit card accounts, for up to six months. I was unaware of this option at the time and therefore did not request forbearance for my Home Depot account. Furthermore, the negative impact that these late payments are having on my XXXX credit report is causing additional financial hardship as it is impacting my ability to obtain credit at favorable terms. This is particularly concerning as I am now in a better financial position. I have now stabilized and have been making timely payments since then. I am therefore requesting that you remove these late payment entries from my credit, as they are not a true representation of my creditworthiness. I would like to bring to your attention that during my XXXX XXXX with the XXXX, I was a member of the Servicemembers Civil Relief Act ( SCRA ). Throughout my time as a Home Depot cardholder and military member, Home Depot has been very supportive of my military commitments, and they extended their support to me during my financial hardships and helped me get two HVAC systems for my home through The Purple Hearts program. I am a 100 % XXXX veteran, and I appreciate what they have done for me in the past. I would like to request that Home Depot remove the one late payment from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies and furnishers of credit information report accurate and complete information. If the consumer did not provide written consent to Home Depot to report to the credit bureaus, they may have grounds to dispute the accuracy of the information being reported on their credit report, and request that Home Depot and XXXX remove any negative information that was reported without their consent. I would also like to request that you confirm the removal of these late payments in writing and provide me with a copy of my updated credit report. Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Portfolio Recovery keeps harassing me about an old debt from 12 years ago and said it iwill renew again in XX/XX/2023. I asked them to send me documentation and they refuse and said they don't do that. I don't appreciate getting harassed on a Sunday and they called me yesterday. She said I can't hear you 3 times and made me say Yes this is XXXX. I am afraid they took my Yes to mean this was my debt. I never agreed that I owed this amount. It was written off years ago. She was very threatening to me and didn't appreciate it. Wanted me to make a settlement over the phone and without any documentation, I would not agree to anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have called emailed them and filled a few disputes because as I explained to them my phone with access to all my cards and access to every account I had was stolen when I was in the process of becoming homeless and I did get 2 of my disputes to go thru but they denied the rest even though they were from the same day as the one that went thru and same kind of transactions and they even closed my account and are treating me like a criminal me and my XXXX son lost everything we had this year starting with our home and because of XXXX and netspend became homeless please help me correct this injustice and make them correct their ridiculous actions and the card was reported and the dates are all the same they have been bullshitting denying disputes that happened on the same days have not provided the PC and even blocked my emails instead of helping me in the hardest time of my life they just made it more of a nightmare to where I cant even call them or speak to a supervisor or anyone other than who answers the phone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: MA
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:
There is incorrect personal information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I sent {$5000.00} from my checking account to my friend 's bank account in XXXX via Western Union XXXX. According to Western Union, the money is sent to the XXXX bank on XX/XX/XXXX. However my friend still hasn't received my money today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
I have unknown accounts reporting to on my credit profile. I am needing all unknown accounts removed from my credit profile immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wayfair/ ( Comenity Bank XXXXBread Financial ) reported 30 days late on XX/XX/XXXX on all three credit reports which was incorrect. The item is inaccurate because payment was made on XX/XX/XXXX, 18 days later than the due date of XX/XX/XXXX Per the U.S. Code 15 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The credit card company had not uploaded statements to my online account or sent them to my email or mailed to my home address since XX/XX/XXXX ( See attached screen print ), which is a violation of US code 15-1666b. Due to the non-mailing of statements the late payment reported in XX/XX/XXXX should be removed. I sent the company a certified letter by U.S. Postal mail on XX/XX/XXXX, however I never received a response. Federal law late payments should be reported on consumers report only if they are past due 30 days or more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX sent remission letter to XXXX XXXX and Capitol One to dispute two charges {$2400.00} and {$4000.00} on 2 credit cards. 
XXXX Capitol one sent letter stating goods were as described and I could dispute the charges by XXXX which I did and sent by fax with confirmation on XXXX. In that fax I included a copy of my letter of refunding, a copy of the registered receipt from post office and my dispute letter along with the letter from. On XXXX spoke to XXXX he said o needed to send all the info again amd include that we had cslked XXXX XXXX so I sent info on both cases again with fax confirmation. On XXXX I called again regarding crediting the monies back to my 2 cards. Spoke with XXXX @ XXXX XXXX She stated I needed to send copy of sakes purch agreement, how many tubes I had tried to contact XXXX and a second opinion. I asked how to I get a 2nd opinion on a company that scams people she then told me that was optional. I told her she had all that info and she stated they didnt have it on both cases which I know they did. So I asked how can I be assured that this can get to you for the third time and she told me she would send me two separate emails with the two cases that I could upload documents to. On XXXX I uploaded all of the documents west again and included what they were asking for. Additionally, for the third time and uploaded them to the email address that was sent and I have confirmation from both email addresses are the uploads that they received it. I also called back on XXXX @ XXXX XXXX and spoke with XXXX, and she said they had received them. On XXXX @ XXXXXXXX XXXX I spoke with XXXX for 33 min he had trouble finding all the docs so he transferrred me to XXXX. XXXX told me that I didnt file the appeal in time for the {$2400.00} charge. They finally credited back the {$4000.00} account, bit not the {$2400.00} stating I did t send everything in. I stated I sent the exact documentation on both cases so how do you have one and not all of the other. After being in the phone this time around for over and hour and asking to talk to a supervisor while Im at work I told her I would be contacting someone to help with this matter. I used 2 cards for one purchase and they credited 1 card back and not the other which makes no sense. I tried explaining to them even without all the documentation they wanted they are forgetting the fact that I was within my 3 day recession and should have been credited back immediately based on that. 

I am attaching a few files that were sent for both case numbers. I also have the email upload confirmation, but wasn't able to upload at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Amsher Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX debt was paid in full to amsher collections agency, they refuse to remove it from report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Navient Solutions, LLC.
State: WV
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 qualify for the Navient XXXX XXXX and have not received compensation or loans XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Securus J Holdings, LLC
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I was sent a check for XXXX dollars. They took my money while I was locked up to me it's not just about the XXXX dollars and now they want to tell me it's just XXXX they took way more than that from me. My dad was sending XXXX of dollars and they just keep Taking that's why I didn't cash the XXXX dollar Chek. I plan on getting a lawyer and seeing them. For future reference when you take XXXX dollar from an inmate to them at the time it could be equal to a XXXX.

Company response to consumer: Closed with explanation