BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-14
Company: Experian Information Solutions Inc.
State: FL
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:
To whom this may concern, I have called the XXXX XXXX XXXX XXXX Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!

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 2022-07-14
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Finance Company XXXXXXXX XXXX XXXXXXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX. {$1600.00}. {$180.00} and {$180.00}. This is not my account. I asked them several times to provide a signed contract or show proof I own the property in question. They declined. I gave them 30 days afforded under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XXXX/XXXX/17at approx. XXXX XXXX I received a messaged from a man stating he would be at my house within the hour. And if I was not there, he would show up at my place of business until he found me. I call the number back that he provided, XXXX and was told it was in reference an old credit card bill that I owed. I made a {$50.00} payment. The company ID 'd themselves as ICR. After I paid the bill I received calls from two relatives letting me know they received the same message between XXXX and XXXX stating that a man would be showing up at my residence. I call the XXXX  number back and asked to speak to a manager. I was transferred to a male who ID 'd himself as XXXX, Director of Operations. I told him my name and the phone calls I received and my relatives received. He became belligerent and insulted me. I wanted to know if it was general practice to tell a single mother that there would be a man showing up at her house within an hour with documents. He laughed at me. This is very upsetting and frightening to me that a man can threaten to show up at my house in the evening and when I tell the company he represents about it, I am laughed at. I kept the original message, as did my relatives

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 2022-02-15
Company: CarMax, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchase a XXXX XXXX from Carmax in XX/XX/XXXX. The car was a lemon came from Florida, it was also purchased for 3000 plus dollars by a consumer name XXXX XXXX in XXXX. Also I found a complaint filed with Flordia OFFICE OF ATTOTNEY GENERAL on XX/XX/XXXX. Dealer name XXXX XXXX. This vehicle was sold to me on XX/XX/XXXX. I am a senior and fiked Chapter XXXX Bankruptcy on XX/XX/XXXX. Carmax is trying to collect on this vehicle and Exemptions was applied. The car is not being reported because they know they are crooks.I can't live in a lemon car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This bank closed many self account, this synchrony bank never I pay late any account and never had negative in me credit so is not fear because me score was damage because of them I need take action with this company.

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 2020-08-30
Company: Webcollex, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report on XX/XX/XXXX and there is nothing reported from this company. I recently checked my credit report again, XX/XX/XXXX and now there is something from CKS Prime Investments for XXXX XXXX, showing opened XX/XX/XXXX, past due for {$4000.00} and past due on both my XXXX, and XXXX credit reports. I disputed with both XXXX   and XXXX ; however, I do not know the results yet. I have no idea what this is for, never received anything in the mail regarding this debt and it being placed on my credit, and do not believe this is for me. This company is reporting to my credit something that is not mine and should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting ActXXXX XXXX Accounts below have 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 XXXXXXXX Account # XXXX XXXX  XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX XXXXXX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX XXXX  XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX  Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXX Account XXXX XXXX ; XX/XX/XXXX {$360.00} 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

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
You, the CFPB are not enforcing the law or facts. You know for a fact that the court systems do not report any of their records to the XXXX major credit bureaus, yet instead of reprimanding the credit bureaus and demanding they remove the public record for cause of not being able to validate the information, you are acting as a middleman just passing along complaints and doing nothing about the complaints to protect the consumer 's privacy. This is absurd... what is your purpose if not for the most egregious violation the bureaus can make as the court system is our only legal system and you are allowing the bureaus to run rampant and do what they will in obvious WILLFUL NON COMPLIANCE. 

I have spoken to the clerk of court and confirmed verbally on a recorded line that they never send any information to the bureaus and the bureaus never send information to them and the bureaus never contact the courts to verify personal information such as name, address, social security number and date of birth. 

I demand that the CFPB do its job and cause the public record on my credit report to be deleted. Furthermore in a letter I uploaded I listed the laws that are being violated and my privacy is being violated. 

Act now or I will also see how I can press charges against the CFPB for not doing its job!!!!!! 

My next actions I will have no choice but to file a XXXX and an involuntary bankruptcy against the CFPB and the credit Bureaus.

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 2022-02-15
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: CNG FINANCIAL CORPORATION
State: OH
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:
XXXX XXXX does payday and installment loans under " Check n Go ''. Every time you borrow money from them they go into your credit report even if you pay on time or have never had any problems with them they will put a new inquiry on your credit report. For example I just recently borrowed money from them and my loan will become due in three weeks they put an inquiry on my credit report the same day. In fact they will not let you get a loan or refinance a small loan without going into your credit report. They do it every single time you get any money with them big or small. 

They are unethical and ruthless with their practices. Do not use they 're services you will regret it when you see how many times they will put an inquiry on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: National Credit Systems,Inc.
State: CO
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:
These accounts and Inquiries on my credit report are fraud. I would like for them to be removed, because it is affecting my credit score and me and my family being able to rent and get a car. 

National Credit Systems {$3000.00} Acct # XXXX National Credit Systems {$1600.00} Acct # XXXX XXXX  XXXX XXXX XXXX {$4500.00} Acct # XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: SUNCOAST CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sun coast credit union committed insurance fraud. I was late on payments and my vehicle was out for repossession. Upon being notified I reached out and paid owed balance and repossession fees bringing the loan status to current. After this I continued making the monthly payment when XXXX contacted me stating the bike is out for repossession again by them. Sun coast credit union claimed a total loss on the motorcycle and took a payout leaving me to pay the difference of {$2800.00} which is still on my credit report. After talking to XXXX XXXXXXXX numerous times they are unwilling to do anything in the matter except take a settlement. This is just wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I did receive balance transfer checks from JPMCB. 
I tried to get some information regarding the check on ; CHASE.COM/BALANCETRANSFER. 

On this site I have got some misleading steps or being tricked to apply for a new account and I have got into a situation where I did press submit button. 

I never had any intention to apply for a new credit card account. 
So, I need your help in order to talk to JPMCB to resolve this issue for removing the INQUIRY from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Upgrade, Inc.
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 rewards from credit card

Complaint:
Upgrade promotes this credit card which is actually a loan, not a credit card, that you take out with them and any future transactions on the product are called draws, including the original draw made on the issued card. They claim you will earn 1.5 % in XXXX with every monthly payment made to the account. I have attached screenshots from 2 well known financial websites promoting this program with the language used to describe the offer. Consumers are led to believe that any transaction or draw on the account is earning the 1.5 % with every monthly payment. I spoke with a customer service rep on XX/XX/2022 and she began using different terminology to defend why her company is not issuing the 1.5 %. They start using the terms transactions instead of draws to describe the use of this loan product and will claim that the initial draws that they offer you are not included in the cash back program.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
On XX/XX/2022 I call my credit card company ( Capital One ) about my XXXX XXXX XXXX  card not reporting on my credit file to XXXX. They told me that they were reporting and that it was XXXX fault that they were inputting it on my credit file. So I contacted XXXX they XXXX and investigation and they couldnt find the account on my file. XXXX told me that they cant report information that they didnt receive. I contacted Capital One back on XX/XX/2022. They started an investigation. I was asked to wait a few days and then to call back to get the results. I called back on XX/XX/2022 and was told that they had sent the bureaus a letter stating to delete the account from my credit file. I couldnt believe what I was hearing. So I asked why was that letter sent and the customer service agent couldnt answer my question. By now Im upset because Ive realized that this one card has been reporting to XXXX for years of me having this card and after I bring it to their attention ; they end up sending all of the credit bureaus the wrong letter. I actually had to dispute it on XXXX and it wasnt removed from my credit file, but I wasnt able to catch it before it was removed from XXXX. Ive called them more times than I mentioned but they didnt do an investigation everytime I called so they did not provide a report letter. The other times they did. So as of today XX/XX/2022 XXXX still trying to get this company to report my credit card on my credit file. This is pertaining to my Capital One XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: EQUIFAX, INC.
State: IL
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 sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago. I have not received as response yet and seems as if my disputes being ignored 1. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Emerald AR Systems, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from XXXX XXXX for {$150.00} for amount not paid by insurance company, statement date XX/XX/XXXX. I paid this bill using my XXXX XXXX XXXX  on XX/XX/XXXX. 
I was rebilled for the exact same bill and amount saying it was past due. They turned it over to Emerald XXXX. I disputed the bill, they validated the bill. 

The bill was already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
Reference CFPB # XXXX. 

On XX/XX/2019 a fax was sent to AMEX / Bluebird regarding restitution of late fees incurred on other accounts ( storage, medications ) due to AMEX / Bluebird negligence to prevent fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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 chatted online with a Capital One supervisor, XXXX, today X/X/2017 at XXXX 2 screen shots of this chat is attached To ask why I was charged interest on my last 2 statements ( XX/XX/XXXX& XX/XX/XXXX ) where I had paid more than the last statement balance due. 

His response is because I did not pay in full the last statement balance for XX/XX/XXXX which was due by closing of my billing cycle XX/XX/XXXX. This is correct due to the XX/XX/XXXX holiday, I was late & payment was made on XX/XX/XXXX. 

Therefore, it is their practice to then charge me interest for 2 consecutive months regardless of paying the total last statement balance both months because they removed the standard grace period. 

Is this legal, It does not seem fair or justified and confirmation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
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: Information belongs to someone else

Complaint:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have fail to comply within the 30 day statute of limitations.

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