BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: CCS Financial Services, 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: Account information incorrect

Complaint:
Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the DELETION of the accounts listed immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 recently checked my Consumer Report and noticed that the companies listed I did NOT authorize anyone employed by these companies to make any inquiry and view my Credit Report. In addition I did not give XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serous breach of my privacy rights.

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 2023-06-08
Company: Bread Financial Holdings, Inc.
State: MD
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 COMENITY BANK/VCTRSSEC XXXX , has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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 2023-04-20
Company: Incomm Holdings Inc.
State: TX
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:
On XX/XX/2023, I purchased a {$200.00} XXXX gift card. The service provider is Vanilla. The company 's website states the card can be used online or in stores. I attempted to use the card online and the charge was declined. I went to Vanilla 's website and attempted to double check my balance; assuming maybe they held the funds but the website stated there was a system error. I contacted the customer service number on the back of the card. I waited on hold yesterday for 2.5 hours with hold music and never got to speak with a representative. I attempted to use the card again today and it was declined again. I tried the number on the back of the card again and have been on hold for over an hour. After researching the company, there are multiple complaints of fraud with this company stating the cards can't be used after purchase, funds disappear from the card after customers attempt to use it, and customers are never able to get in touch with a customer service representative to assist them after the card is declined. I, like many other consumers, want our money back from this fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian continues to disregard my requests and also disputes. I called and spoke with several agents until i got to the fruad department and she said her name was XXXX and that was it. I asked for her employee number or ID but she declined but then spoke about that they will not put in another dispute or remove none of the XXXX XXXX Accounts that are reporting on my credit file as charge offs and sold to another debt collector. When i spoke about my consumer right and they information what is reporting inaccurate she then spoke and still said that whatever i disputed and came back verified that is accurate an what the creditors said but im like thats hearsay and I sent document asking for proof of verifation methods but they ignored my letters but say my account or verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chase erroneously rejected a wire transfer into my bank account, then charged the sender ( a family member ) {$50.00} for the rejected wire transfer. This was verified by the VP of the sender 's bank, but Chase refuses to do anything about it, and will not even discuss giving it back. Multiple calls with Chase reps and supervisors refused to discuss any process for refunding the erroneous fee, even if we get the sending bank involved in the discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 1USC 1681. 
XXXX XXXX ; XXXX XXXX XXXX XXXX , has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

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 2023-06-10
Company: PNC Bank N.A.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PNC took over our mortgage after the XXXX payment was made to the prior company. We were told that our autopay would take a few extra days during the transition, but we did not have to do anything for the XXXX payment. After it was not taken out, we called and they suggested that we send them a check. We sent the check the they said autopay was already set up so they were going to put a note on the account to let the autopay take the money for XXXX and they would pause it for the XXXX and use the check for XXXX. The check was cashed for XXXX. We called and then they said we were on track for autopay for XXXX. XXXX XXXX rolls around and they started to call because our payment was late. We called and explained the situation and they said that we were not setup and we had to go in and set up an account. We made the XXXX payment over the phone. At the beginning of XXXX, the autopay kicked in and took out the mortgage at the beginning of the month, then again the next day. We have spent 4-5 hours on the phone with them and each time have been told something different only to have them pull the mortgage twice. Since it is the weekend we have not had a chance to get in touch with them, however I feel we have gone above and beyond to help them get this figured out to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN
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:
XXXX accidentally deleted my mortgage off of my report and in less than 30 days my score has dropped a total of XXXX points. How can this be fair l? I've called them twice and they said they couldn't figure our how it happened and can not give credit advise. My mortgage was reporting for years from Simmons Bank over {$500000.00} balance and they can just tell me they can not fix? Please assist me in 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 2023-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to the bank to make a withdrawal and found out that I had no money in my account on XXXX XXXX XXXX XXXX and it was not me. They did a report about it did my claims I lost my social, and they referred me to this website to report it for protection of my identity.

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 2022-12-20
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX, XXXX. 
Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX  Account number : # XXXX Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX XXXX XXXX Account number : # XXXX 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 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 b- permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
Whom It May Concern : I received a copy of my credit report. To my surprise, you are orting this account incorrectly. This collection account is orting not only as OPEN, but also shows a past due balance According to the FCRA, I have the right to an rate credit report. Please remove this account immediately m my credit report. Please provide me a copy of my new dit report reflecting this account removed upon completion. 
sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Carmax auto finance is refusing to send the title for my vehicle that was deemed totaled by my insurance company from a car accident on XX/XX/2023, where I was struck by a driver that ran a stop sign. They are saying I have to pay late fees totalling XXXX cents. I've called on 4 occasions from XX/XX/XXXX through XX/XX/XXXX, being told someone will call me regarding the matter, but instead they were communicating with my insurance company that the only way the title would be sent is once the above amt was paid, requesting XXXX XXXX XXXX send payment in exchange for the title but no one ever returned my calls. There is no name referenced on the letter sent, just a department. They report charge off and write off on my credit report and also showing multiple late payments. Please advise me on my consumer rights. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2023I received aletter advising me that my credit limit was lowered from {$6300.00} to {$1000.00}. I called FNBO and was told that it was decreased due to a late payment ( due on XX/XX/XXXX ) and also due to my credit rating. FNBO acquired the account from XXXX XXXX XXXX approximately 6 months ago. It was difficult making payments after being sole because the phone number was incorrect, however I had never been late. FNBO decreased my credit limit without justification as I also did not give permission to run my credit report and I was not applying for a new card. I believe this happened because the back did not wish to honor the credit limit that was previously authorized by XXXX XXXX XXXX. I believe this company intentionally decreased credit limits so that it could avoid honoring the credit limits. I had not used the card for over two years and was paying off the balance which is {$450.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: CITIBANK, N.A.
State: OH
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:
In XXXX of XXXX, credit cards were opened in my name with Shell Oil and Best Buy. A additional phone and a PC was added to my XXXX account. The PC charge was {$1900.00}. An application for unemployment was made with my personal information to the state of Ohio in XX/XX/XXXX. My name and personal information, including my SSN, has appeared on the " dark web ''. 
We discovered this fraudulent activity on XXXX XXXX, a monitoring services for those of us who were affected by the hack of OPM. The unemployment claim was discovered when I received a letter from Ohio ODJFS asking for more information regarding my unemployment claim.

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 2023-10-20
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX {$95.00} XXXX {$180.00} XXXX {$80.00} XXXX {$170.00} XXXX {$20.00}. 

These are payments I made on my student loans but then I received an email from aidvantage stating each payment has been reverse. Nothing has changed on my end. Been making payments successfully up to XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-02-17
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XXXX I finance a car and the total Finance Charge was XXXX then I make a eleven payment of {$410.00} and most of the payment goes to interes and small portion goes to the amount finance for XXXX. I also call Western Funding Incorporate asking for Payment History and found this because in the billing statement does not shoe it. They also told me that they charge of XXXX every month. 
I think that it is an abusive practice to the consumer. Iam going to send the documents by mail. 

Thanks 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 2023-10-21
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sent a certified letter requesting Debt Validation The debt validation letter includes : The amount owed.

The name of the creditor seeking payment.

A statement that the debt is assumed valid by the collector unless you dispute it within 30 days of the first contact.

A statement that if you write to dispute the debt or request more information within 30 days, the debt collector will verify the debt by mail.

A statement that if you request information about the original creditor within 30 days, the collector must provide it.

Received a letter back stating my request was frivolous. I paid this off and do not owe!! Waited long periods on hold trying to speak with them, sent email but did not respond within the timeline they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX2023. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-13
Company: Bread Financial Holdings, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2021 I noticed a new credit card popped up on my credit report named XXXX XXXX Credit Card. I never gave anyone permission to charge the card. I was speaking with a plastic surgeon coordinator  about getting XXXX but then I told her I no longer wanted it once I saw they were willing to do XXXX on me with a XXXX XXXX. Months later I see a charge on the credit card for {$6500.00} that I never authorized. I have been disputing this charge for 2 years but it has yet to be removed. The cosmetics company stated they can only charge a card if I gave them authorization so that I needed to reach out to XXXX. XXXX stated the cosmetic company told them I received a XXXX in there office in XXXX. I have never been to XXXX a day in my life. Both places are placing the blame on each other when I never had XXXX, never agreed to XXXX, never picked a XXXX or date!

Company response to consumer: Closed with monetary relief