BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
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:
My auto loan with XXXX XXXX XXXX. Account # XXXX it was 30 days late. This account was opened on XX/XX/XXXX. And the late payment was in XX/XX/XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States. I have the right to privacy. a account 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 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
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
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:
My auto loan with XXXX XXXX XXXX. Account # XXXX it was 30 days late. This account was opened on XX/XX/XXXX. And the late payment was in XX/XX/XXXX. 

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States. I have the right to privacy. a account 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 purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Buffaloe & Associates, PLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I paid for as long as I could on a {$6000.00} loan. I lost my job, and now I am on Social Security. 

The debt was apparently bought/sold to a new company, and I believe they have violated the FDCPA by : 1. Refusing to validate the debt, and instead trying to serve me and sue me 2. Collecting past the statue of limitations for TN, which is six years from the date of the last payment. They claim I made a payment in 2012, I did not, and they will not provide ANY proof that I did. I need the Federal Government 's help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, after receiving numerous harassing calls from Navient, I visited their website, Navient.com to check on a recent payment in the amount of {$140.00}. This payment was in response to I noticed that there was no payment in the amount of {$140.00} instead there was a payment in the amount of {$270.00}. I immediately called them and spoke with their representative, XXXX. She transferred me to XXXX. Her response was as follows : " The {$140.00} was split between account ending in XXXX ; {$130.00} and account ending in XXXX ; {$4.00}. The balance of the {$270.00} was to help keep your account out of default. {$45.00} and XXXX " I informed her that this was clearly fraud. Navient was falsely documenting the files. XXXX ( Navient 's representative ) continued to inform me that account ending in XXXX was a " charge off ''. Surprised at her statement, I clearly gave her the definition of " charge off '' and questioned : ( 1 ) why I had not been notified, ( 2 ) how is Navient still having this on the books as collectable and why have my payments been largely credited to a " charged off '' account. I then requested a supervisor. I was transferred to XXXX. 
XXXX responded to my inquiry into Navient 's irregular accounting practices. He justified it by initially stating that he did not see what I was seeing. When I went further about the defined columns on the Navient 's site, he disputed what I was in fact seeing. He stated that the {$270.00} was not a line item recorded as " received ''. Please see attachment. I informed him of XXXX 's clarification of the item and again, repeated that Navient had done irregular accounting practices. XXXX insisted on blaming the problem on XXXX XXXX, their local office. Upon questioning him on the " charge off '', XXXX had another tale. 
Navient is practicing irregular accounting practices on top of continuous harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reported a credit reporting issue to all 3 credit bureaus regarding XXXX XXXX  reporting incorrectly about a debt, as well as not accepting payment in efforts to remove the negative account from my credit report. 
I have contacted XXXX at least 7 times in the last 10 months ( phone, letter and through credit bureaus ) in efforts to clear a debt that has been reported on my credit report. I do not have the address the company is needing in order to access the account, despite providing all possible addresses I lived at in Arkansas and providing my social security number. The company representatives have refused to transfer me to higher level supervisors in efforts to reach someone who could accept a payment and remove the account from collections. 
After I reported it to the credit bureaus, I received 2 letters stating I need to contact the business at a non-working number that my credit representative has also reached out to with no success. I have called the correct phone number and tried to use the account number and provided the account number from the letter sent by XXXX and Transunion, and nothing from XXXX. The XXXX representatives I have spoken to claim the account number is incorrect and/or does not exist. My credit restoration representative has also exhausted all contact options to reach out to the company with no success of reaching someone who can help. We have tried paying this debt off to delete from my credit report, but they refuse. This specific credit bureau has not helped in solving the issue by providing incorrect information, and this not completing their research and reporting to my credit reports appropriately. This negative credit needs to be removed immediately if XXXX is unable and unwilling to accept payment and all XXXX credit bureaus continue to report incorrect information.

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 2023-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a fraudulent checking account under my name at Bank of America. 

The details I received in the email are as follows : Bank of America XXXX XXXX Banking Account # : XXXX They have changed the email address and phone number on the account, and placed 2 factor auth, so I can not access 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 2022-05-20
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$15000.00}

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 non-monetary relief
Consumer complaint received 2020-06-20
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
MACYS/DSNB is reaging their account on my credit report by reporting 52 charge offs, the most recent as on XX/XX/2020 this is a violation of the FCRA and very damaging to my credit worthiness.

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 2022-05-20
Company: Experian Information Solutions Inc.
State: MD
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2022-05-20
Company: Maximus Education, LLC dba Aidvantage
State: VA
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:
XXXX student loan accounts were reported 90 days delinquent in XX/XX/2015. 

The delinquencies were reported in error as evidenced by the following : 1. Department of Education student loan accounts remain in good standing while in active deferment status. Deferment continues through a 36-month grace period after the semester ends.

2. The grace period for these accounts began in XX/XX/2015 and remained in place through XX/XX/2015. 
As reflected on the credit reports, the accounts were in good standing from XX/XX/2015 through XX/XX/2015. 
XXXX  records show the accounts in good standing at the time of adverse reporting. No late fees or penalties were billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: American International Finance, Inc.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I got a car from Carplex in XXXX XXXX it was financed through American International Finance a in-house finance company. I traded in a vehicle which was paid for as part of down payment, i was to give the AIF {$1500.00} which they called a deferred down payment on XXXX XXXX with tax refund, I contacted the company to inform that my return was being reviewed and would not receive in time and ask for an extension of time to pay it, my car payments were up to date, i was told I would get a call back to let me know, no one returned by call instead they came and got my car without telling me. after finding out that AIF had picked up the car I was told that they would refund some of my money back and would forgive me of the loan, myself and a representative from the company signed off on a letter which is attached forgiving me of the loan and that it would not be reported as negative or repossession on my credit report. It has been very hard for to obtain another vehicle because this account is still showing as open, they have not reported since XX/XX/XXXX. I actually had to get a co-signer so that I could get another vehicle because Carplex/American International Finance refuse to report to the Credit Bureau that the account is now closed, I have contacted them numerous times regarding 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the report furnished by XXXX, there are 4 inquiries that are fraudulent and unauthorized ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discover Financial SerXXXX XXXXXXXX XXXX XXXX XXXX ). As the original creditor, I am reporting this as fraudulent activity, and identity theft. Per the FCRA section 606 ( d ) ( 4 ) -- A consumer reporting agency shall not prepare of furnish an investigative consumer report on a consumer that contain information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend or associate of the consumer or with another person whom the consumer is acquainted or who has knowledge of such item of information unless -- ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interview is the best possible source of the information. XXXX is believed to be furnishing adverse information, on account that I am filing a complaint that fraudulent inquiries were made. Which further results in adverse action. According to the FCRA section 604 ( a ) ( 3 ) ( A ) -- As the original creditor, the consumer report is only to be furnished to other creditors who I extended credit to. There is no active account held with either of the creditors mentioned above that generated these fraudulent inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
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:
I have been sending certified letters to XXXX XXXX XXXX, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. 
To date no credit bureau, Experian, XXXX  or XXXX have my correct information. 
I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. 

Thank you 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 2022-05-20
Company: Open Dealer Exchange, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the report furnished by XXXX, there are 4 inquiries that are fraudulent and unauthorized ( 700 CreditXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As the original creditor, I am reporting this as fraudulent activity, and identity theft. Per the FCRA section 606 ( d ) ( 4 ) -- A consumer reporting agency shall not prepare of furnish an investigative consumer report on a consumer that contain information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend or associate of the consumer or with another person whom the consumer is acquainted or who has knowledge of such item of information unless -- ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interview is the best possible source of the information. XXXX is believed to be furnishing adverse information, on account that I am filing a complaint that fraudulent inquiries were made. Which further results in adverse action. According to the FCRA section 604 ( a ) ( 3 ) ( A ) -- As the original creditor, the consumer report is only to be furnished to other creditors who I extended credit to. There is no active account held with either of the creditors mentioned above that generated these fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation