BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: PA
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:
Currently, Experian, XXXX and XXXX are reporting a Bankruptcy XXXX XXXX. I initially sent a letter to all three bureaus on XX/XX/2022, asking if this Bankruptcy could be validated. While waiting for a response I reached out to the Bankruptcy Court and asked if this information could be verified. In turn I was was advised by, Bankruptcy Court does not share or report information with XXXX, XXXX or Experian. Because I understand it takes time to process a validation requested, I waited until XX/XX/2022 to send another follow up letter. I had received no responses, therefore I requested for XXXX, XXXX and Experian to provide any supporting documentation that would validate this bankruptcy. Yet again I still received not responses. I sent XXXX additional letters on XX/XX/2022 and XX/XX/2022 requesting the bankruptcy be removed from all three bureau 's as none of this information has been verified. Furthermore there were also several student loan late payments and collections accounts on my report that incomplete and inaccurate reporting. As far as the Student loans, I had sent several letters dated XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I noticed there were several late payments indicating I was 120 days late however the previous month I was on time. How can you go from on time to 120 days late within 30 days. This is not accurate and should not be reporting. I have sent XXXX letters asking for validation and i have not received one response, or proof supporting the reportings. Lastly there had been some collections added to my report i had no knowledge of and again i requested for these documents to be validated and i haven't received anything. i have attached all the letters i have sent.

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 2022-12-15
Company: Klarna AB
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I have an account with Klarna, and with whom I have active loans. However, I attempted to user existing credit to make a purchase but Klarna decline me for the following reasons : " After carefully reviewing your request, we weren't able to approve this purchase because we couldn't verify the personal details you provided. Please check that your details are correct before trying to use Klarna again. '' XXXX - this lacks specificity, what information was suddenly unverifiable? 
XXXX - this is a farce! They declined me because I refused to link my bank account through a third party. I should not have to provide my bank account information, and I shouldn't have to agree to preauthorized XXXX to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
This is a follow up on complaint ID XXXX. B of A refuses to return my calls, although sending conformation emails for me to respond to. I was notified by email and voicemail that B of A would close the claim today, XX/XX/2021 if we did not have any interaction. 
I believe Bank of America is simply trying to " run the clock '' on this complaint, and they are not dealing in good faith. They refuse to provide a direct email. 

I am quite certain this as a " business as usual tactic '' by Bank of America, they use a third party service to respond to regulators request for resolution. 

Please advice how I can advance this claim beyond the stonewall I am encountering currently. 

Regards, 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 explanation
Consumer complaint received 2022-09-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I worked hard to finally get myself out of credit card debt, especially with the 25 % interest they put on my account. I called and got my payoff amount and finally got my account to {$0.00}. Come to find out Chase wasn't don't yet and tacked on another {$240.00} interest charge, and then refused to waive it even though the card was at {$0.00} and there wasn't a purchase since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Dynamic Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, I started receiving phone calls from  XXXX  company in a  XXXX  of  XXXX  claiming I owe money for the phone bill. I informed company that I never had  XXXX  account and I have been  XXXX   XXXX   XXXX  customer since  XXXX  and never changed company. I asked for information they have on file, such as social security #, account #, phone # account was connected to. Caller refused to provide me this information. I went to police department and filed police report as possible identity theft. After that, I never heard from them again until 5 years later in  XXXX  of  XXXX  when I received a letter from Dynamic Recovery solutions claiming I owe money to  XXXX   XXXX   XXXX . They still did n't provide me any supporting information. I 'm sick and tired of this harassment! I never had  XXXX   XXXX  account and never dealt with them!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-13
Company: EQUIFAX, INC.
State: NJ
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:
I XXXX XXXX have been treated unfairly by this consumer reporting agency and they have been using my private consumer information without my consent. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've not given verbal or written consent to any agency for them to us any information. 15 U.S. code 1681c-2 allows the consumer to block and remove all information that resulted from identity theft, If you follow the guide line which they provide. Please inform them of these rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: CarMax, Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX a consumer credit transaction was initiated with Carmax for a vehicle. In XXXX of XXXX Carmax Seized the vehicle even after I sent various letters to Rescind the contract, Verify, Validate, cease and desist and cfpb dispute. Carmax moved forward with the sale of the vehicle without informing me. This Debt was in Dispute and from my understanding no action should have been taken until resolved. My credit report shows " OK '' for XXXX XXXX and XXXX and I have proof that they were avoiding responding to my letters and request. The dates of the letters that were sent was extremely often and they also called and harassed me in regard to the alleged debt They have since sent me letters about balance but have also Charged off the item and updated it as so to the credit reporting agencies. the account was charged off in XXXX of XXXX and has repeatedly been updating the charge off every month. this is an update in the payment history which to my understanding charged off accounts should NOT include active payment history. Need I remind you this also falsely manipulates the statue of limitations I am demanding the deletion of the following account : Carmax partial account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
GM Financial is reporting me as delinquent on a loan that I had with them which was neither delinquent nor negative. I had just purchased a car with GM dealership when it closed. The loan which was just started was sent to the overflow dealership. I started paying them and continued until the end. Subsequently, GM reported this account 2 times to the credit bureaus with 2 different balances on the account. It shows the same account number but one shows a balance of {$10000.00} and the other account with the same account number shows a balance of {$12000.00}. I have advised them any times of the error on their part, I have also advised the credit bureaus of the error on their part. After all it is logically and logistically impossible to have the same account number for 2 different loan amounts. anyone with common sense who have noticed this as an error and take corrective measures. But no, this has been a struggle and is now affecting my ability to obtain credit. need this issue corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Phoenix Financial Services LLC
State: CT
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:
I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with PHOENIX FINANCIAL SERVICE./// PHOENIX FINANCIAL SERVICE willfully violating the FCRA Without my direct written consent PHOENIX FINANCIAL SERVICE have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of any account on my behalf./// PHOENIX FINANCIAL SERVICE based on false and misleading representation with undisclosed material facts , which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// PHOENIX FINANCIAL SERVICE is harming my reputation XXXX by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) PHOENIX FINANCIAL SERVICE needs to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by PHOENIX FINANCIAL SERVICE./// Pursuant to 15 USC 1681b ( a ) ( 2 ) PHOENIX FINANCIAL SERVICE may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Resurgent Capital Services L.P.
State: WA
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:
The collection company, XXXX, has posted erroneous information to my credit reports. I wrote asking for validation of the debt and they never responded.

Their failure to respond is a violation of the FDCPA per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Court, XX/XX/2004

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: WELLS FARGO & COMPANY
State: MO
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 recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

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 2017-06-11
Company: JPMORGAN CHASE & CO.
State: CA
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:
Chase is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how chase is accepting that the payments were returned see document attached but still Chase reported but still Chase reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead  so it remains on my credit report forever

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
X/XX/2017 : filed a complaint with CFPB X/X/2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt X/2017 directly to ProCollect. ProCollect should be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Currentl, requested refund from Edfinancial services for PLSF. Customer service has no update and shifts blame to XXXX  for refund delay. No email confirmation, refund is said to take minimum 120-170 days depending on the case. XXXX Updates, must call to check in. has been XXXX weeks since refund has been requested and is still " in processing. '' Had to call to check refund submission was sent. Currently no real updates and I am fearful of the PLSF passing while my loan is reinstated to me with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
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: Was not notified of investigation status or results

Complaint:
I have notified all  XXXX  credit reporting agencies asking for verification of Chapter  XXXX  Bankruptcy reported. I have contacted my local Bankruptc  y Court. The Bankruptcy Court stated, " they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. '' It is the credit reporting agencies, and /or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court systems due to the Fair Credit Reporting Agency Privacy Law.
On   XXXX   XXXX  , 2017, I sent certified letters to the Experian,   XXXX   and   XXXX   asking for documentation of validation associated with the bankruptcy.     To date, I have not received a response from any of the reporting agencies. Additionally, the reporting agencies have not indicated that the bankruptcy is in dispute.

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 2022-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America allowed someone to open an account under my name and I have been unsuccessful in reaching anyone who was willing to help. I received several emails about the account being opened.

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 2021-11-12
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX SS XXXX I am not an attorney nor am I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I have a few issues with my credit report not being accurate. I was recently turned down for a mortgage based on information on my credit file that is dubious at best. The first issue is several unknown addresses that I never lived at. Please delete the following addresses: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 
There are several unknown phone numbers, please deletethe following numbers they are not accurate : ( 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 2021-05-15
Company: Winklevoss Exchange LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Thu, XX/XX/2021 XXXX XXXX EDT, Signing on from from XXXX browser to website XXXX exchange and they froze my account even though i have authorized it was me, i have not been able to get my account unfrozen i sent them a support ticket email for 4 days its now Saturday, XX/XX/2021 and not one have been able to help me plz help my assist have been locked this company used to have XXXX  quick help support team now it's ghosting me and taking my money hostage

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On  XXXX   XXXX ,  2017  I deposited  XXXX  United Sta tes Postal Money Orders into  my bank of america checking account via ATM.   XXXX  The total deposit amount was {$2200.00}.   XXXX  bank of america has placed an illegal 10 day hold on my deposit, citing the money orders need to be verified with the issuing instituti on. ( The US Treasury? ) I have contacted bank of america and spoke with 2 different representatives, one being a c all center supervisor.   XXXX  I need help in resolving this issue and prevent the illegal actions of 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 explanation
Consumer complaint received 2021-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Several accounts opened in my name, provided Police Report, FTC report, and affidavits, and provided the suspects information as possibility. Credit card company keeps coming back and stating it is my account when it is not my account. I have asked the credit agencies to look into this over and over for going on 2 years now, and they keep coming back with its my account. It is destroying my credit its the only negative accounts that are on my report, and they refuse to remove it. I need these accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Credit Central Holdings, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
IVE COMPLAINED ABOUT THE INACCURATE INFORMATION ON MY CREDIT REPORT TWICE. THIS COMPANY IS TRYING TO DAMAGE MY CREDIT. THEY HAVE TO BE STOPPED MY LATEST ALERT RECEIVED ON  XXXX   XXXX   XXXX  (   XXXX    ).    XXXX   1. AN  ACCOUNT PROVIDER REPORTS THAT WHEN YOU FILED FOR BANKRUPTCY AND LISTED THIS ACCOUNT AS  XXXX  OF THE ONES YOU COULD NOT  PAY. ( FALSE ) 2.DELINQUENT  ACCOUNT CREDIT  CENTRAL REPOR TED THAT YOU DID NOT PAY THEM ON TIME  XXXX , THIS COMPANY IS DELIBERATELY REPORTING INACCURATE INFORMATION..

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 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

Company response to consumer: Closed with explanation