BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: CarMax, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Fact, affiant is aware and has proof in attachment labeled Exhibit A that Carmax XXXX XXXX, XXXX d/b/a Carmax is in violation of 15 usc 1605. ( a ) ( c ). This transaction included a finance charged the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Carmax XXXX XXXX XXXX XXXX XXXX Carmax did not include my insurance in my finance charge. 


Fact, affiant was not given the option to include insurance into the finance charge, and was threatened by penalty of withholding the vehicle to provide proof of insurance before leaving the dealership. 


Fact, affiant is aware and has proof in attachment labelled as Exhibit A and Exhibit B that Carmax XXXX XXXX, XXXX d/b/a Carmax is in violation of 15 usc 1611. Carmax XXXX XXXX XXXX XXXX d/b/a Carmax willfully and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable. 


Fact, affiant did not receive any forms nor received any clear or conspicuous disclosure of the right to rescind the transaction pursuant to 12 CFR 1026.23 ( b ) 1. See Exhibit C Notice, it is fact that affiant is aware, in the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited only to a principal dwelling, but any contract which includes a security interest, the obligor shall have the right to rescind the transaction until the midnight of the third business day following the consummation or the day the agreement was signed. The rescissions forms are required and must be delivered together with a statement containing the material disclosures required under the Truth in Lending Act. In addition, the creditor must clearly and conspicuously disclose in accordance with regulations of the consumer Financial Bureau. 

Take notice that I also revoke, cancel, and make void from the beginning all powers of attorney, in fact, in presumption, or otherwise, signed either by me or anyone else claiming to act on my behalf with or without my consent as such power of attorney pertains to me or any property owned by me, by, but not limited to, any and all quasi/colorable, public, " governmental '' departments, agencies or corporations on the grounds of constructive fraud, concealment, and non-disclosure of pertinent facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had a CD that matured and it was rolled into a savings account. The account was marked as " inactive '' and my funds frozen. I mailed Citibank the required information to unfreeze my funds and contacted them on numerous occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I was told that it would take 2 business days to get a response from the " back office '' and they would call me back. I have never been called back. The funds are not in dispute nor that they are mine. I need to receive the funds and close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

US SM BUS ADMIN ODA XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-25
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:
unauthorized inquiries are on my report i did not authorize these please remove

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 2022-10-25
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : SYNCB/TJX XXXX XXXXXXXX  XXXX Date opened XX/XX/2022 Balance : {$320.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I logged in my XXXX XXXX to down load the XXXX XXXX. I was given a code to put in XXXX Then I was directed to call XXXX and find out why I cant log in to the XXXX XXXX XXXX XXXX. That is the first picture. 

Then the guy on the phone said that my XXXX account was compromised that there was {$6000.00} charged to my account. He listed a bunch of states that my account was in. He then had me download the cash app, rainbow app, rockitcoin and XXXX. And XXXX app too. He had me use my XXXX and downloaded all the apps. He watched the XXXX screen when I put in my bank card numbers and then my passwords and email. I started to get suspicious when he was pushing me to go fast. My husband told me to hang up and I did. He continued to text me. XXXX pictures. There were names he had me send money too. He said they were the people who purchased on my XXXX aXXXX XXXX XXXX and XXXX XXXX. The bank is refunded me all my money except the {$2500.00} that was sent by the scammer that hijack my computer and sent money through the XXXX app. I have made several requests for the bank to refund my money but they are refusing. 
I filed a police report and had to change out all internet equipment because my IP address was compromised. I have the police report but I am unable to get to it because I am out of town for the next week.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: GA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts listed below : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : {$390.00}, XXXX XX/XX/2021 XXXX XXXX XX/XX/2021, XXXX XX/XX/2021,

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 2022-10-25
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:
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 fil ing a legal complaint against you!

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 2022-10-25
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discoveredt the following unverified inquiries. The 3 credit bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/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 2022-10-25
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: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$21.00} ; ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XX/XX/2022 ; 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 2022-10-25
Company: EQUIFAX, INC.
State: NC
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 my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX NC XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I previously held loans that were serviced by XXXX and then transferred to Aidvantage. When I try to set up an account with Aidvantage, they are unable to locate my information or my loans. I tried to call and speak to a representative but was left on hold for over an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Navient Solutions, LLC.
State: WA
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, has violated my rights. 

15 USC 1681 Section 602 states that i have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NY
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:
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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My property located at XXXX XXXX XXXX XXXX NY XXXX was involved in a fire XX/XX/2019. The Mortgage on the property was held by Rushmore Loan Management ( Account Number XXXX ) The insurance company issued a 2 party check in the amount of {$180000.00} to myself and Rushmore. Rushmore partially paid a few of the submitted bills and others I was told I would be reimbursed which I wasn't. The repairs weren't able to start in a timely fashion because of the covid pandemic stopped the city from issuing permits. Meanwhile I had to pay some of the contractors out of my pocket to obtain blueprints, pay city fines and to clean up the property to avoid accumulating any additional city summones. This was explained to Rushmore but they continued to foreclose on my property resulting in me having to sell it. They said they would issue a check for the balance of the insurance check which I never received. The ILD number on the case is XXXX. Its been almost a year and I have wrote them 6 letters and called numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: EQUIFAX, INC.
State: GA
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:
This account has been paid in full and its still still 3 months later I need the balance updated. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Fraud dispute filed with Bank of America on or around XX/XX/XXXX for a charge of {$670.00} on my Customized cash rewards MasterCard. This charge labeled " XXXX XXXX " occurred on XX/XX/XXXX. This transaction was completely un-authorized and charged without my consent and knowledge. On XX/XX/XXXX Bank of America declined the dispute and reassessed the charges to my credit card bill without providing any evidence or reason as to why. 

Today XX/XX/XXXX I contacted the Fraud department to reopen the case and find out why they had not sent me any information regarding the decision. I also provided them with information and additional facts that should easily identify this fraudulent charge as fraudulent. 
Those facts are : 1. All XXXX transactions were supposed to be blocked on my account in the first place. This charge should have been blocked from the get go and never gone through. 

2. Bank of America had originally flagged this charge as a fraudulent in the first place, but still let the charge occur. Bank of America and I both have the text messages sent to me from them marking the charge as fraudulent. I work in XXXX a majority of the time. Therefore, I don't receive any domestic calls or texts. It was when I arrived back in the US that I received the text messages and promptly reported the fraud. This was 3 weeks after the charge occurred, well within the time-frame allowed to report the fraud. 

3. This transaction is well outside of my consumer spending habits. I have never spent over $ XXXX on the credit card. Usually for gasoline purchases as its a cash reward credit card. A {$670.00} charge is well outside of my spending habits, and should have immediately marked the charge as fraud. 

4. I was never sent any information on why this dispute was reversed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
Company: World Acceptance Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am submitting this complaint because this organization is reporting inaccurate unfair information on my consumer report. On XXXX I became aware that this company furnished an account on my consumer report that has never been verified. I also do not recognize this account and I was never notified by this company that they were attempting to collect a debt. I do not know were this debt came from and it may even be fraudulent. I never gave this company consent to have my private information. 15 USC 1692 Congressional findings and declaration of purpose states that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. My privacy has been violated because my information is being shared by 3rd party companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello. 

I've never lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX '. 
I'm living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ', and never moved to somewhere before. 
I changed the address several times but for some reason my address keep changing to that XXXX XXXX XXXX XXXX address. 
It happened more than 5 times. 
I already contacted Chase but they couldn't resolve that problem. 
Could you please prevent changing the address to XXXX XXXX XXXX? 
I really appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have ben dealing with this problem for over a year now. This reporting agency continues to report false information on my consumer report that I clearly do not have per the courthouse and XXXX XXXX. So I'm not understanding how you are still able to report information that does not exist. At this point this is FRAUD and you are past violation my rights and the LAW. I need this incorrect information that does not exist removed immediately. There is no way possible you can say the court or XXXX XXXX furnished you this information because I have proof in writing they didn't so stop defaming my character and delete these lies you report!!! See proof attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I'm submitting this complaint in reference to the Lexis Nexis knowingly reporting inaccurate data. My credit profile affected by these penalties this looks SUSPICIUOS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation to my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond on 30 days failure to comply with these federal regulations by FTC u.s c41, et esq.

Company response to consumer: Closed with explanation