BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-28
Company: Affirm Holdings, 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 is missing that should be on the report

Complaint:
Affirm refuses to report various loans that I paid off and left in good standing, This information is crucial for my credit building and I need this information reported. 

Accounts left in good standing total {$1900.00} {$750.00} {$1000.00} {$220.00} {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-09-15
Company: Experian Information Solutions Inc.
State: TX
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Coinbase, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
i rented a car in XX/XX/2022 and i had to pay a {$500.00} deposit and i used my coinbase card, when i returned the rental car the {$500.00} deposit was to be refunded but I do not see the {$500.00} balance was credited back to my account, it seems as though the {$500.00} just disappeared. I called coinbase support and was told to create a ticket i created a ticket and the ticket was ignored even after sending a follow up i did not receive any response back. completely unacceptable

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22
Company: HYUNDAI CAPITAL AMERICA
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:
I had a lease with Hyundai from XXXX XXXX XX/XX/2021 and completed paid the lease in full. They even sent me a paid in full email and XXXX my autopay and ability to make payments in XX/XX/2021 as I was completed with the car lease. After the paid in full status, Hyundai reported a repossession then changed it to a charge off/collection for {$190.00} which is inaccurate. I have disputed this for over a year with no results. I have no signed contract with Hyundai to continue making payments to them past my original lease agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: MOHELA
State: MA
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:
Per the Cares Act, I requested Mohela to reinstate $ XXXX in Federal student loans to my account that was voluntarily paid in late 2020. Please assist. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
On XX/XX/22 I spoke to a Transunion rep about incorrect personal information and 4 fraud accounts XXXX XXXX XXXX {$740.00} ref # XXXX XXXX XXXX XXXX {$5000.00} ref # XXXX XXXX {$940.00} ref # XXXX XXXX XXXX -- ref # XXXX I was assured it would be immediately taken off, so I followed up after checking my credit report seeing it was not removed. 
On XX/XX/22 I called Transunion got to a supervisor, where we went over the incorrect personal information and 4 accounts that were still reporting. The supervisor was very unprofessional and told me they never received any call from me. She said that I had no recourse and would have to go through the civil court system.

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 2022-06-06
Company: Oklahoma Student Loan Authority
State: IL
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:
Department of Education contacted OSLA and told them to hand over All of my loans to TOTAL AND PERMANENT DISABILITY SERVICER. They told them they had 120 days. OSLA ignored them and has not even acknowledged what they were told to do. They have poor customer service and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: ALLY FINANCIAL INC.
State: NC
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 IS STILL REPORTING A CHARGE OFF EVEN AFTER SENDING THEM A LETTER FROM THE REPORTING PARTY INDICATING THAT IT WAS AN ERROR. I HAVE MADE NO LESS THAN 4 ATTEMPTS TO GET THIS FIXED AND XXXX IS THE ONLY BUREAU THAT REFUSES TO CORRECT THEIR REPORTING.

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 2022-06-26
Company: Stenger & Stenger, P.C
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Currently garnishing my wages even though they already have the money owed. The collection with XXXX XXXX is also still listed on my credit accounts with two different balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX I would like to make CFPB aware of this urgent matter that requires several witnesses. I am a first had witness with personal knowledge of this experience. 

American Express is continuing to violate me personally blatantly and is causing me harm directly. XXXX XXXX has made a direct choice to share my personal correspondence with several individuals despite my protest of specifically stating not to share my personal and private information with others completely violating the privacy act. XXXX XXXX is not performing his fiduciary duties and I am being further harmed by his actions and those of American Express. XXXX XXXX XXXX American Express is also in violation of title 38 Chapter 61 misappropriations by fiduciary Furthermore, American Express is continuing to dishonor payments and is again threatening to report the account to All credit agencies further violating my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XX/XX/XXXX Account XXXX # 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 : 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: SC
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, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: IA
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:
I've contacted XXXX  numerous times about showing late payments on my credit report when they are PAID IN FULL! I have loan documents showing all paid in full!!

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 2022-06-06
Company: KEYCORP
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a recent complaint against KeyBank on XX/XX/2021. ( refer to # XXXX ) I called to confirm the issue was taken care of. I was told by 2 different people at KeyBank that the issue was closed and I owed nothing. A couple months later I got another email saying I owed and was responsible. That I needed to call XXXX and XXXX  airlines to settle the issue! They couldn't contact XXXX  as they were a third party and they couldn't contact them directly. So I need to contact XXXX and get all transaction information. That is not my responsibility! that is the responsibility of my financial institution to do their job and take care of their clients! This is a fraud case! Money was taken from my account without my knowledge or authorization! AGAIN, I am filing a complaint to have KeyBank take responsibility for their lack of professionalism and settle this issue! I am not responsible for the fraud against me! I do not owe this money!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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  Bank Account # XXXX, 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 : 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 non-monetary relief
Consumer complaint received 2022-09-20
Company: Experian Information Solutions Inc.
State: DE
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX DOB : XX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau XXXX I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). 

I also see that according to the reports I was late 30 days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). 


In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX ) AND ( 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.

15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!!

Haven't received a response from the Bureaus in over 14 days.

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 2022-06-25
Company: Experian Information Solutions Inc.
State: MI
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 XX/XX/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 : it also states a consumer reporting agency can not furnish an account without my written instructions. 


15 U.S, C 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 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 2023-10-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit reporting 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 have been reaching out to these companys regareting me being a victim of Identity theft and they have not helped me. I have wrote letters regarding these accounts to get removed off my credit report. I have not been able to get any response or help.

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 2023-11-03
Company: WLCC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
Received an email at XXXX, thanking me for my application. Received an email at XXXX, account ready to finalize. Received phone call at XXXX, they left a voice mail asking for me to call them back to finalize the loan. I returned the call at XXXX stating that I did not request the loan and to remove it. They replied, okay so you're not interested? I said, No, I never applied for this and please put some kind of alert on my account that there was fraud here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: CarMax, 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: Their investigation did not fix an error on your report

Complaint:
CarMax Account number : XXXX Date Opened : XX/XX/XXXX CarMax has been reporting misleading, inaccurate, inconsistent and unverifiable information on my XXXX XXXX XXXX XXXX and XXXX XXXX reports. This is a joint account and they are reporting different inaccurate, inconsistent and unverifiable information on the co-owners credit report as well.

Both of us have disputed this information many times over the last several years. We are entitled to a 100 percent accurate credit report. CarMax continues to spitefully report inaccurate information without verifying any of the inaccuracies and incorrect information, and not reporting an accurate payment history, as well as providing all the documentation. 

There are several pieces of information that CarMax is reporting is different and misleading, inaccurate, inconsistent and unverifiable on all of our different credit reports. The balance is different and/or missing, the payment history are different and/or missing, and dates are different and/or missing. There are over 20 items that do not match. There are numerous errors as well as missing information which violate FCRA laws. CarMax as well as the credit bureaus seem incapable of or unwilling to resolve our disputes. 

They have also added to our credit reports a payment in the amount of {$5500.00} in XXXX of XXXX, in which neither of us made. This is a violation of Federal laws. CarMax is using abusive, deceptive and unfair debt collection practices. 

I have contacted CarMax and asked them for all documentation on this account. They did provide a statement which shows that this account has a {$0.00} remaining principle balance on XXXX of XXXX. However, they have failed to produce all documents so this account could probably be verified and 100 percent accurate. 

We feel that CarMax willfully and wantonly reports this account to keep our credit damaged so that we can not obtain credit, pay higher interest rates, cause XXXX XXXX, loss of credit, higher insurance rates, etc. This is malicious prosecution. This account has caused us both mental anguish and emotional distress. 

Per FCRA, reporting must be 100 percent accurate or the account must be deleted from ANY and ALL credit reporting agencies, not just XXXX, XXXX and XXXX. Therefore, I am demanding that ALL reporting on this account cease and desist and be IMMEDIATELY deleted from credit reporting agencies ( not just the major three ) permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: DE
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX DOB : XX/XX/XXXX SSN : XXXX After recently pulling my credit report from your Bureau XXXX I, in accompany with my attorney, instantly pointed out that I have been reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my credit card ( account # : XXXX ). 

I also see that according to the reports I was late 30 days in XX/XX/XXXX and XX/XX/XXXX for my auto loan ( account # : XXXX ). 


In accordance with the Fair Credit Reporting Act ( FCRA ), Account ( s ) # : ( XXXX  ) AND ( 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.

15 U.S.C 1666B : States a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose!!! 

Haven't received a response from the Bureaus in over 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # 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 seven 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.

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 2023-11-06
Company: Early Warning Services, LLC
State: PA
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: Problem with personal statement of dispute

Complaint:
Hello my Complaint is the Bank involved XXXX XXXX mainly i Lost my Job a long while ago when i had the account and i XXXX  overdrafted some and ended up owing XXXX  XXXX  XXXX XXXX  because my account was overdrafted for a long time and i had no income the amount was acctually higher until my state income tax return came and my amount owed was reduced for XXXX XXXX  and my Problem is me owing them XXXX XXXX has my ability to Open A bank with Some/many/or All banks is now either hard or next to impossible thanks to me owing ally XXXX! XXXX  only XXXX XXXX  and possibly my XXXX  account is mixed up in it as well closing out owing them XXXX XXXX  because i was using Privacy the virtual card service and forgot privacy charges take a long time to go through and what i probably did with XXXX  is spend the money before paying XXXX but i dont know if its on the same report so i recently applied to some banks and was rejected by both XXXX XXXX XXXX  and XXXX XXXX and this XXXX XXXX  a Small amount mind you which im happy to pay is ruining my chances of opening any account and prepaid/debit card accounts charge annoying fees on anything id rather have a bank and im pretty sure if i apply to most banks i will get denied i would totally understand if i Owed XXXX XXXX XXXX but its XXXX XXXX  if XXXX  is actually in the report i owe probably XXXX together this is crazy and i lost the letter ally gave me stating this but when i applied to XXXX  XXXX for an account they sent me this letter saying my early warning score is high risk

Company response to consumer: Closed with explanation