BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: CarMax, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received an insurance check from XXXX insurance for minor damage done to our vehicle. I deposited the check in to the ATM not realizing that the lien holder ( CarMax ) was on the check as well. The bank is now holding the funds unil CarMax writes a letter on letterhead stating that it allows us to have the funds. I have gone back and forth numerous times with CarMax and they have said that no such letter head exists and they are unable to do what I have requested. Because they wo n't do it, the money is just stuck in limbo. I would think they would want the car fixed considering they are he lien holder on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: EQUIFAX, INC.
State: NY
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 made an online purchase at XXXX using my store card on XX/XX/2019 and subsequently returned some items from the order within the same month. The balance on my card was not updated correctly to reflect the return and interest was applied to the amount of the returned item. That amount was not paid because I contested it with the credit card company and later a penalty was applied for not paying the interest. They inevitably reversed the amounts when they looked into the charges meanwhile they reported my payment history as 60+ days late in XX/XX/2019 and reduced my credit line. First of all it is impossible to be 60+ days late when not even 60 days could transpire between the purchase date and the month of their reporting. Second of all I was never late as the amount was never owed. Several attempts to resolve with the company have yielded zero results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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:
CFPB Write up n 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: Credit Plus Inc
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I contacted the company listed in this dispute about an unauthorized inquiries reflected on my credit reports. I advised that the credit inquiry by their company is damaging my credit rating. I requested full documentation and supporting information regarding the circumstances resulting in the review and placement of either a hard/soft inquiry on either my XXXX, XXXX, and/or XXXX credit file showing pursuant to the permissible purpose provisions of the Fair Credit Reporting Act. Since I did not authorized the review of my credit file by this company, I kindly requested the inquiry be removed. The company has not replied nor provided supporting documentation to validate the inquiry or removed the inquiry. 
Therefore, I am seeking your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Here are the details of my claim again I made XXXX deposits XX/XX/XXXX in XXXX Texas at XXXX XXXX XXXX XXXX, XXXX, TX XXXX address of the Bank of America. The first deposit was a deposit of {$13000.00} and the second was {$6100.00}. I did not realize that the atm could only take XXXX bills at the time and thus my money was gone. The Transactions in my statement show that I deposited {$7600.00} and {$6100.00}. Bank of America claim they audited and could not find any record of cash or additional cash being deposited at the ATM for {$6300.00} between XX/XX/2021 and XX/XX/2021. This was stated on XX/XX/2021 then on XX/XX/2021 they had stated that We reviewed your claim as you requested, and have determined XXXX deposits were posted on XX/XX/2021, for {$7600.00} and {$6100.00}. 
As a result, this claim should have been for {$200.00} which we have located and will pay. We now consider this claim resolved. XX/XX/2021 I deposited at total of {$20000.00} and bank of Americas ATM machine only claims I deposited {$13000.00}. I would like to get the amount I deposited back from bank of America

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 2021-12-23
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter on XXXX/XXXXXXXX2021, that my mortgage with XXXX XXXXXXXX XXXX has been sold to Selene Finance. I have tried calling them every day since the XXXX of XXXX at XXXX, and all I hear is a recording that their offices are closed. Am I a victim of a scam or something nefarious?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: STATE FARM BANK, FSB
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I co signed a loan for my daughter in law. When they did the loan they put me as the principle buyer and her as the co buyer but they put the title to the car in her name because she was making the payments and she gave up car up as trade in. I went to refinance the loan because she was filing bankruptcy and I did n't know how that would effect my credit. I told the lady at State Farm XXXX that I did n't know if it could be refinanced because of the way the car was titled in her name. She called us back and said there was no problem and we could come and sign the papers, my husband and I. My daughter in law called and asked her how she could do the loan with the title in her name did n't she need her to sign off on the title and she said she did n't need anything from her. So after XXXX days and still not receiving a memorandum title I called XXXX XXXX again and talked to XXXX XXXX the lady that did the loan she said she would call the bank. She called me back and said the title was at the title agency and that I would need to have my daughter in law go with me and sign the title overt to me that it was a clear title in her name. I asked why and she said that 's what had to be done. I told her before this even took place if this could n't be done to let me know. So now my daughter in law has a clear title to the car and the car and I 'm stuck making the payments. I had XXXX XXXX Bank investigate this and which has been going on since XX/XX/XXXX. Yesterday XX/XX/2016 Mo the recovery team person I 'm dealing with said he heard from the legal team and they were going to unwind the loan and reverse it and have the orginial lender pay them back the money they paid to refinance the loan. Today State Farm Bank called my daughter in law and asked her to assume the loan for the original refinance price at 0 % interest for which her attorney told her not to sign. I do n't feel I should have to pay for the incompetency of XXXX XXXX with State Farm XXXX because she did n't do the loan correctly. She was told numerous times the title was in my daughter in laws name and now because I have it investigated she stated she was never made aware of this. I told her and so did my daughter in law. ;

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: IQOR US INC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/2015 I requested Debt Validation per Alliedinterstate email communication per website. On XXXX XXXX 2015 I received correspondence from XXXX XXXX attorney for Alliedinterstate. On XXXX XXXX per email from XXXX XXXX, " The account was placed with us on XXXX XXXX, 2015. We made our XXXX collection attempt on XXXX XXXX, 2015 at XXXX XXXX. We made XXXX ( XXXX ) additional calls on XXXX XXXX, 2015 and made XXXX ( XXXX ) final call on XXXX XXXX, 2015 at XXXX XXXX. We ceased the account and returned the account to the creditor. 

On XXXX/XXXX/2015 I sent notice to XXXX XXXX that I had obtained legal counsel XXXX XXXX. On XXXX/XXXX/2015 after receiving such notice XXXX XXXX continued to respond to email correspondence between I and him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
At XXXX XXXX XXXX XXXX, 2016 I sent a moneygram to someone in Florida for {$1300.00}. 
My contract says it would be delivered in 10 minutes. I specifically asked the Wal Mart worker if it would arrive in this amount of time due to the fact that it was to be used in a deadline situation. When the receiver tried to get the money he was first told that he could not use the identification he offered : his drivers liscence, a bank debit card in his name and a credit card in his name. They insisted that he use a social security card which he did not carry with him. He disputed their right to ask for his social security card and was told that MoneyGram required it, showing the statement to him on their rules for picking up the money. 
He called me, the worker refused to talk to me. He gave me a telephone number they supplied so that I could see what the problem was. I called the number and was put on hold for 25 min. I only managed to talk to someone by calling back and insisting that they help me. After he repeated his name several times I could not understand what he was saying due to a non-English accent. I told him what my problem was and he said I had to give him information to insure him that I was who I said. He proceeded to ask the following questions : my reference number ; my address ( was on the form for the transfer ) ; a major highway near where I live ; the name of the receiver ( which was on the transfer form ) ; his age ; his relationship to me ; what the money was to be used for ; what he did for a living ; what town he was picking the money up in ( the contract said he could get it anywhere in the state that served MoneyGram ; questioned my telephone number. This money had to be received and deposited in the receivers bank by a XXXX deadline, which I explained to him. By the time it was finally released for pick-up it was within minutes of XXXX, so he did n't get it in time to get to the bank by their deadline. As a result the bank is telling him his account is closed and can not be reopened due to overdraft in which he had the XXXX deadline that he did n't make on time.The money should have been there and been picked up by no later that XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Credit Plus Inc
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
CREDIT PLUS XX/XX/XXXX-XX/XX/XXXX Miscellaneous XXXX. Agencies I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance. 
We 're on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Servatus Corporation
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Credit Solutions Corp. a collection agency, purchased my debt from XXXX XXXX XXXX, a sum of {$7300.00}. The date of last payment on this debt is XXXX XXXX, which means this debt ages off my credit report in XXXX XXXX. However, Credit Solutions Corp. have erroneously recorded the date of last payment as XXXX, XXXX. This is impossible as I was living overseas at the time and made no payment after XXXX XXXX. There was no activity on this XXXX XXXX XXXX account after that date. Please see attached files showing the correct dates as reported by XXXX XXXX XXXX, and the incorrect dates as reported by Credit Solutions Corp . I have attempted debt validation with all XXXX credit reporting agencies, in addition to requesting the error fixed directly with Credit Solutions Corp. with no success. I believe Credit Solution Corp is in violation Federal Fair Credit Reporting Act on this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: IQOR US INC
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Allied Interstate is continuing to call my job and work, after I asked them 3 different times to stop calling my work. Collecting for XXXX. They 've had a HIGH turn over rate since I 've been dealing with them so I never get the same person for long. Every time I call to make a payment and my contact information is reviewed, and again yesterday XX/XX/XXXX and today XX/XX/XXXX they 're calling my job asking for me. 
Name of the school at the time of loan was XXXX University, at the time I did n't realize I was taking a private student loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, at XXXX XXXX received a phone call with caller ID " Wells Fargo. '' The call was to verify an ATM {$300.00} withdraw transaction that happened in XXXX, TX. What was supposed to be a Wells Fargo fraud prevention agent, claimed to have cancelled my debit card and mailed me a new one. He also tried to " verify '' my card number and the three digits on the back of my card. He then sent a pin to my phone so he could have accessed to handle everything. He then said he changed my password and I need to reset it. I went by my day and two hours later I get a notification from my bank that I've reach my total withdraw limit from bank account. 
At this time I had not yet created a new password, I manage to login to see that two transfers were made from my checking # 2 to my main checking account, one for {$5000.00} and {$1000.00}. My main checking account had a total of 11 transactions made from atms and XXXX  around XXXX, TX that accounted for a total {$5600.00}. I live in XXXX, TX, and have not been in XXXX in lover 10 years. 
I filed a fraud claim with my bank and their final decision was to deny my claim due to what they think " insufficient evidence. '' Since I had my physical card with me, they claim that those transactions were made by when they weren't. The whole day I was trying to get rest for my 12 hour night shift while this was happening. I did not authorized any of these transaction and my bank refused to refund my total amount of money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
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: Information belongs to someone else

Complaint:
Good afternoon, I checked my report recently and I found accounts that I do not know, I do not recognize them and I am not connected to these items. Can you please review and validate the information? As I think I am identity theft victim because the information that is reported in my profile is absolutely wrong and I disagree with this situation. Please check and delete them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX had placed an inadequate collection account on my credit reports in the amount of {$55.00} from XXXX XXXX, Account # XXXX, XXXX, Equifax and now XXXX. I called XXXX and told them this was incorrect and I talked with a supervisor on XXXX/XXXX/XXXX and she immediately removed this account : I call Equifax and told them that this was not correct and it should be removed that XXXX had removed this and they stated that they could not remove, only XXXX Collections could. I could dispute it so, I had XXXX Law dispute and two day later it was verified by XXXX that it was mine and they would not remove it, I asked how was it verified and he ( Eqyuifax ) would not tell me. I stated that this was old XXXX XXXX and it had been on my report before and had been removed years ago and they still refused to take this off, ( it would be due to come off in XXXX XXXX ). Now they have put it on my XXXX report, I called XXXX on XXXX/XXXX/XXXX and they refuse to take this off also. XXXX received this bill in XXXX and placed on my credit reports back then I had it removed. On XXXX/XXXX/XXXX I paid XXXX XXXX ( receipt attached ). They stated everything was paid but XXXX so if I had a bill for the XXXX XXXX it should have been paid from of that money. I have asked XXXX Collections to provide me with a list of what I have paid and so far I have not received anything. Why can XXXX XXXX see that it is not correct and remove it and the others can not. My credit is being ruined by these XXXX companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I moved in XXXX 2015, cancelled XXXX and returned equipment. XXXX soon sent me a bill for {$280.00}. i tried talking with XXXX supervisors, etc., that nothing was owed. They finally sent it to the credit bureaus ( late 2015 ) and I filed a dispute. Credit bureaus found XXXX ' claim not valid and cleared it off my credit history. I thought we were done with this but last week I received another notice from Allied-interstate. I feel like I 'm being intimidated into paying them to just go away. I 'd like this to stop. I let them know during the investigation I knew that they could be sued for {$1000.00} if the harassment continued, and it did stop for 9 months, but here we go again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-15
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My husband had gotten an alert on his credit score saying that it dropped by XXXX points. We looked on it and it says that 2 accounts went to collections by Commonwealth finance. The original creditor is XXXX XXXX XXXX XXXX. The amounts is for {$1300.00} and {$93.00} and were opened XX/XX/XXXX. I called the battery point services to see what this is about. The number is based in Texas but the phone number is disconnected. The address is at a local hospital here so I contacted them. The hospital said that my husband hasn't been seen since XXXX and he has now debt and nothing in collections. I called Commonwealth finance. The lady there told me that it was from a physician in XX/XX/XXXX. It supposedly went into collections in XXXX but is just now reported on his credit. The XXXX XXXX XXXX XXXX say on a website that they were established in XXXX but is listed as the original creditor on the account dating back to XXXX! He has never had a medical bill because of his insurance. We have never gotten any notification of him owing a medical bill and was never contacted. We found out because Commonwealth finance reported it to his credit. I have also read reviews of XXXX XXXX XXXX XXXX doing this to others with bogus bills. And Commonwealth finance also has bad reviews of screwing people over. Commonwealth finance did say that they will dispute it. But it won't be taken off of his credit until it is disputed with the credit companies, which I can't do because of the coronavirus. Here is the link to the XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 wrong addresses and birthdate is wrong on my credit report tried to have them update my information but didnt work out

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