BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I send my letter off in XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I listed below XXXX  Account # XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the FRCA the term " investigate consumer report '' : means a consumer report or portion thereof in which information on the consumers character general reputation personal characteristics or motive living is obtained to personal interviews with neighbors friends or Associates of the consumer reported on or with others with home he is acquainted or who may have knowledge concerning any such items of information They stated my account was verified but how is that possible if they did not do a proper investigation? according to the law. also every piece of information on these is counts is still not reported a hundred percent accurate and according to the F RCA 15 USC 1681 everything has to be 100 % percent accurate or deleted.

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 2022-12-01
Company: OneMain Finance Corporation
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I try to resolve this issue with this company name Onemain They try to collect {$2800.00}, i ask for a more details and the costumer service was so agresive and rude it threat that my life is done that they will destry my whole life and on main time we on the phone he was in contact with a Sheriff s Dep to come and arrest me if i do not set up payments with them is like a night mirror time with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX-XXXX XXXX  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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: JPMORGAN CHASE & CO.
State: DE
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:
I received a letter from XXXX chase advising the received an application for a XXXX XXXX XXXX  card account. I did not apply for this. I do not have a business. The letter is dated on XX/XX/22. I checked my XXXX  file and a hard Inquiry was pulled by XXXX on XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: Atlanticus Services Corporation
State: NC
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:
Several Dispute letters and Negotiable Instruments sent to Fortiva with no response since XX/XX/2022 demand account is credited { {$3000.00} } as they are deemed honored along with {$2000.00} monetary relief for Fortivas failure to investigation/respond to disputes, closing account during dispute without notice and reporting while in dispute. This is a BREECH of Agreement and BREECH of Fiduciary Duties, and BREECH of Trust. Violations under FCRA and 15 USC 1640 Truth and Lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Nelnet, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently looked at my credit report with ( XXXX, XXXX, & XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Discover cashed my paycheck that was issued to me on XX/XX/2022 ( pending case with the District Attorney in XXXX XXXX for Bank Fraud and XXXX XXXX Police Department ). I am a victim of identity theft as well as mail fraud. I began to recieve my mail to the correct address and received correspondance from Discover stated that " unusual activity was detected on your account. '' It stated to call immediately, which I did, and waited on hold for 2 hours one day, 1 hour and 30 minutes another day, 2 hours the next day and an 1 hour and 15 minutes today. I have yet to speak to anyone about this matter, which is an account that was not opened by me. I have never banked with this institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Name : XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-11-29
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX CarMax Auto FinanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 usc 1861 section 602 states i have rights to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer plan as late for any purpose.

I took action of disputing this matter and even asked company to remove late payments in accordance with the law and was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I applied for the American Express Blue Cash Everyday Credit Card after doing extensive research on the balance transfer options both on XXXX  and by reading the terms and conditions and card holder agreements on the American Express website ( https : XXXX ). All websites stated that there was a 3 % fee for all balance transfers from non American Express or affiliated institutions within the first 60 days of opening the account. It was not until after I was approved and accepted the agreement that I was then notified that the American Express Blue Cash Everyday Credit Card does not offer a balance transfer amount higher than {$5000.00} despite the credit limit offered being substantially higher. I feel the practice of not disclosing the balance transfer limit regardless of available credit is deceiving. I have called the institution to discuss my concern and was informed that this card does not offer a higher balance transfer option and that it was supposedly disclosed within the terms and conditions on the website. I once again reviewed all documentation and there is no discussion or mention of this limit. This would have impacted my decision in selecting American Express and I would have gone with another card option with a higher balance transfer limit. I am now put into a position where I am not able to transfer the balance initially intended and in order to seek out another card option I will either have to replace the American Express card or supplement the balance transfer which would require a second hard inquiry on my credit score bringing my overall credit rating down, effecting my creditworthiness for an unspecified amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: Velocity Portfolio Group
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company continues to violate my consumer rights and report to the CFPB like they are following the right directions. Which they this company constanly harras me with phone calls report negative information on my credit file which they bought a debt claiming that i owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Ally Financial failed to properly apply GAP coverage benefits to the balance of the loan. 

See attachment for further details I am prepared to furnish additional details if requested.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: VA
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:
I submitted a letter from XXXX XXXX XXXX as supporting documentation for a dispute. I then received a letter Equifax in which Equifax is refusing to review/investigate the additional documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently looked at my credit report with ( XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( 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 instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 



Account Name : Capital One Account Number # XXXX Account Name : XXXX XXXXXXXX Account Number # XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
To Whom It May Concern, Im contacting you regarding an international business wire that I had sent over to my vendor 3 months ago which has not been released yet. I used my small business account through Capital One bank to process the wire, and apparently they use XXXX as an intermediary bank because XXXX tracker shows that the wire is stuck at XXXX. I was able to obtain XXXX tracking info from my vendor 's bank in overseas. 

On XX/XX/XXXX, I sent 3 identical wires in the mount of {$71000.00}. On XX/XX/XXXX, the first wire went through but not the remaining two. After my conversation with Capital One rep, second wire was released on XX/XX/XXXX, but not the third one. 

I have been calling the wire department everyday for 3 months, and spending hours trying to explain the situation but I keep getting the same response of We are investigating it. 
This is not acceptable as my vendor has been charging me late payment fees and has threatened to stop doing business with us. 

I would appreciate it a lot if you can help with this manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: Navient Solutions, LLC.
State: NY
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:
Today on XX/XX/25 I spoke to two representatives both who questioned me while sick and while I lost my job due to my illness questioning me about my future. 

They have failed to document my account with the facts for years which is that I never graduated XXXX due to a recession, false information provided by the school, and XXXX giving out more loans than they knew I could actually pay back.. those are the facts.. they have been harrsssing me for years even while Ive been sick they have harassed me.. I wish for them to no longer contact me unless it is documented. I also would like a full record of the communication transcripts between me and their representatives because I plan on matching it up with my documents and using it fully against them. And they can also take me to court .. and Im not talking about small claims court either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have had this XXXX XXXX XXXX XXXX  since XX/XX/XXXX  ... ..And nothing is being reported to any of the three credit bureau 's ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
In regards to ACCOUNT # XXXX : This auto loan was paid off on time every month from XXXX XXXX-present. 
As of XXXX XXXX the account was current, but capital one decided to charge off the account with no late payments starting XX/XX/XXXX. No 30 60 or 90 day late yet a charge off is being reported. Capital one stopped generating statements in XX/XX/XXXX and never sent anything in the mail saying I was past due, The car was eventually totaled and my insurance company paid off the loan balance less {$1000.00} deductible.During this process I continued to make the monthly payments. As of XXXX, with Covid, I was laid off from my job. I called capital one who agreed to take a monthly payment of {$27.00} to satisfy the remaining {$1000.00} deductible payment. This payment, as agreed, has been taken out of my bank automatically. They have been reporting late payments every month since XX/XX/XXXX - present. As of today the deductible payment is paid off in full but they are refusing to validate/ explain to me the charge off. No where on my account on their website does it show the account being charged off yet they are reporting a charge off to all the credit bureaus. I have reached out my mail with no response and my phone where they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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: Problem with personal statement of dispute

Complaint:
I have tried now for nearly a year to get Experian to impute my personal statement on my credit file and they refuse to do so! I have also asked them to explain why they continue to report too many consumer finance company account and not tell me what this is and why its showing on my credit report. It NEVER showed before until AFTEr I paid off all my debt. All of a sudden. 

I have sent numerous letters requested my 100 word statement be inputted in my credit report and Experian simply sends me a report with a note that they don't understand my request. 

Its ridiculous! My note clearly states Here is my 100 word statement to be inserted in my file as written. I don't understand how hard that is to understand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts below, 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 Account Number XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX  XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX bankruptcy XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts below, 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 Account Number XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number beginning XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX bankruptcy 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