BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, 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 an 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 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
They continue to report a bankruptcy on my credit which is wrong and i demand for it to be removed ASAP ... .this is stressing me out and im tired of going back and forth with them on 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 2022-01-13
Company: Possible Financial Inc
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:
After going over my monthly credit report analysis and maintenance I noticed a account had been opened under my name without my knowledge or consent which may have been a result of an information data breach, I have tried solving this issue with XXXX but the online dispute center did not have the proper options to help me properly. The Account is a " Possible Finance '' Account # XXXX is the amount of {$600.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have been trying to update my address and add it on my credit report to purchase my home. 
I lost my {$3500.00} in earnest money due to the fact that the address would not allow them to pull my credit file. Im in the process of consulting with an attorney because they Credit Bureau is violating my rights with the federal credit reporting act. I have sent them my drivers license and my ssn card repeatedly with no avail and no resolution. 

I need the address of XXXX XXXX XXXX XXXX SC XXXX to appear on my credit reports as non fraud and a deliverable address to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: CA
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 requested an investigation on my credit report from the XXXX, XXXX and EXPERIAN regarding possible fraud accounts on my credit report, and they have not sent me information on investigation status or accurately verified information regarding these accounts. I would like theses accounts removed if there is any incorrect or missing information as it is injuring me commercially. Per, The Fair Credit Reporting Act and 15 U.S.C Sec.1681i ( a ) if these accounts are not 100 percent accurate then I can have them removed.

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 2018-06-04
Company: CarMax, Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I have an unverified account from CARMAX. I had previously disputed this account. I have never done business with CARMAX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CARMAX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARMAX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. THIS ACCOUNT HAS BEEN CHARGED OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Carvana Group, LLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to XXXX as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against XXXX in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 BRIDGECREST is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against XXXX for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.XXXX. A Promissory note is a negotiable instrument. XXXX has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XXXX/XXXX/XXXX I attempted to pay my credit card from Citi Bank. I noticed that I had a high balance and I never use the card on top of having a late fee for XXXX of XXXX even though I paid XXXX on that month they still gave me a late fee. So I called to try to cancel doing business with this vicious bank. They refused to waive fee and did not explain why I got a XXXX} balance despite paying high amounts every month and not using the card at all there is no way my bill can be that high. They also solicited my business by offering me a low interest credit card when I got card it came with a hefty interest rate of ( 23.99 % ) OUCH!!!! are we in America?? 

I requested to close my account and it was a very hard process. I was lied to by the rep at Citi Bank I was told when I made that XXXX payment that if I call in XXXX they will waive any late fee since I am paying a big chunk of bill and on top of that it only a few days. The reason was I was a victum of the Hurricane attempting to help family and friends this was the only reason I was late. Citi Bank and it 's employees did not care. I therefore want to close my account and have a full audit of my account they refuse so I hereby request the assistance of CFPB. 

Outrageous conduct by Citibank it 's called calculated legal theft of monies of millions of poor people.

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 2019-07-28
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/2019 I correctly completed and submitted online form for free security freeze. The site states that there is an issue with my data and that I must file by US mail. This is completely balderdash. They are intentionally making it hard to receive this free, required service in hopes that I will just forget about it.

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 2019-07-28
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/2019 I correctly completed and submitted online form for free security freeze. The site states that there is an issue with my data and that I must file by US mail. This is completely balderdash. They are intentionally making it hard to receive this free, required service in hopes that I will just forget about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS AND INQUIRIES ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON 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 non-monetary relief
Consumer complaint received 2019-11-22
Company: Reliant Capital Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This business contacted me about a debt unrelated to me. I have no relationship with this business and they confirmed I do not have any business with them. This is an unsolicited call and potentially harassment if they attempt to contact me again. I am not the person they are looking for and just because I have the same last name and live in the same state as the person they are trying to contact does not mean I should be receiving collection calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I sent a letter addressed to Experian last XX/XX/2022 requesting that they conduct an investigation and correct the information being reportied by the furnishers. I have also sent letter before the said date and have been waiting for them to respond and yet they have sent me nothing. Experian must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Late Dates : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened up an online checking account with CapitalOne 360 a couple weeks ago to deposit a check. This is my first bank account and the check was a financial aid pell grant issued by my school. I deposited it into my CapitalOne checking account and waited a couple days for it to verify. After that, I saw that my account was locked, and that I could n't access my money. I called CapitalOne 's customer service number and was transferred to security. The man on the other line was n't very helpful. He said some things like the check could be a fraud check. He could n't tell me what the problem was and said to wait a week or and then they 'll tell me what was wrong. I waited but there were no changes to my account. I called the issuer of the check ( XXXX ) to see if the check was valid, and they confirmed that it was. I still could n't access my money, so I called CapitalOne 's customer service again, and they told me that there was nothing they could do and that only their security team could fix the issue. I asked them to transfer me to security and they told me that they could n't, which is weird because they did it the first time I called. I found the number for security on CapitalOne 's website and called it. I was sent straight to voicemail which told me to explain my issue and I did. The voicemail said that I would get a call back soon. I waited a couple more days and nothing. I called CapitalOne 's customer service again and they could n't help, and said they 'd let security know about my issue. They said that they could n't transfer me to security, and that there was no way of contacting a live person who works in security. Security has to call me themselves. They have to call and they ca n't even email me. This is an issue for me because I am busy throughout the week and I could be in class if they call. If I miss the call, then what? I told them okay, let security know. This was on a Friday, and they said security would call back on Monday. They did n't call me. I called CapitalOne 's customer service today explaining my issues again. They again told me that they could n't do anything and that their security is backed up. They gave me the number for security and I called it. It was the same number from earlier that led to voicemail. Only this time, I could n't even leave a message, their voicemail box is full. This is ridiculous. I am being bounced around back and forth with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account # XXXX and XXXX XXXX XXXX account 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 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 2022-06-12
Company: EQUIFAX, 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  Accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was unemployed since XX/XX/XXXX but was able to maintain payments until XX/XX/XXXX. I called them once or twice a month as a sign of good faith. I spoke with one representative early on and was told that by law I have at least 120 days before my loan goes into foreclosure. I continued to make calls letting them know that I was diligently searching for a job, but I was also told that I could not apply for a loan modification until I had proof of income. By the beginning of XX/XX/XXXX I called because I wanted to make at least one payment as I had borrowed from family to get that. The rep would not accept it and said they would only accept two payments, and that I should call back when I have two payments. I got a job by the end of XXXX and called them on XX/XX/XXXX to tell them that I had a job and would call in for the two payments with my first check. On XX/XX/XXXX, as soon as funds for my first paycheck was deposited I called Mr. Cooper to make the two payments. As of XX/XX/XXXX I had not reached 120 days delinquency but they refused to accept my payment and told me my loan had gone into foreclosure. It seemed as though their only concern was making sure they got to foreclose on my home. What type of collection company refuses to take payments? I was been grossly misguided about my options and this is a serious and tragic event. They don't really care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX has a debt listed my credit reports ( XXXX-Equifax-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my 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 2022-06-12
Company: EQUIFAX, INC.
State: MS
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, 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 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 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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, 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 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 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