BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 originally reported the charges as fraud within 60 days in XXXX. After careful review I discovered more charges and reported them separately with a total of three disputes against the single merchant. Originally there were a bunch of duplicate transactions which I reported as such. There were many duplicate charges on the same days of {$500.00} totaling around {$27000.00}. Total charges by the merchant over several months was {$49000.00}. 

Bank of America than denied one of the claims without the merchants response. The charges related to that claim were than re-disputed. The other claims were merged together by the bank since the charges are all from the same merchant according to the bank.

The merchant responded to one of the claims with information and addresses that didnt match my information in anyway. I explained this in my response to the bank to escalate the dispute in response to the merchant. As I explained repeatedly to the bank representatives, this account and the charges disputed arent mine. The merchant has failed to prove in anyway the charges are mine but the bank still denied the claim. 

According to regulations and federal law governing these transactions, my claim based on these circumstances is valid and therefore should be approved. Bank of America after taking at more than 30 days to decide on the claim, despite my quick response by certified mail and fax, denied the claim. I was told it could be a variety of reasons by phone even though I addressed all of them in my response. The denial of the claim was on or around XX/XX/XXXX. The claim ( XXXX ) have been pending since XXXX. 

The banks accusations that I know the person who placed the charges are untrue and can never be proven. Its a total fabrication on the banks part and will be challenged fully based on the law. 

I had to call to find out the status of my claim. its been about XXXX weeks since the claim was denied. The bank has failed to send mail regarding any of my disputes over the past month which also includes information on other disputes not related to this claim. XXXX mostly sure their failure to send me correspondence on my claims is also a violation of regulations. I cant view the claims online despite being told otherwise.

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 2021-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Unexpected or other fees

Complaint:
A transfer I knew nothing of BANK OF AMERICA Fund Transfer XX/XX/2021 XXXX Direct Deposit Funds Transfer to checking/savings $ XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: MI
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 XXXX claims they have conducted a proper investigation into my dispute concerning a XXXX charge on XX/XX/XXXX XXXX for {$1000.00}. SInce I have also Disputed a 2nd XXXX Charge from XX/XX/XXXX in the amount of {$640.00}, which somehow was placed on my credit card days after I had placed a block on my card. 

Here are my request : The complete unredacted file XXXX XXXX compiled concerning my first dispute. XXXX XXXX XXXX provide me with the dates of all contact they made concerning my Dispute of the XXXX charge for {$1000.00}, who they spoke to, the information they used to conclude they would not remove this charge from XXXX. I am also including a recording of the phone call I had with XXXX Representatives when the rental car broke down. If XXXX XXXX did a proper investigation they would have this recording. 

As for the 2nd XXXX charge : I called a XXXX XXXX representative on XX/XX/XXXX to close this credit card, the representative talked me out of closing the card claiming he could place a block so that no more charges would go though. I agreed to the block. Yet incredibly a charge from XXXX for {$640.00} was allowed to go through. How is that possible? 

I believe XXXX XXXX violates the FCBA and the FCRA by not actually conducting proper investigations. As a result XXXX XXXX reported an inaccurate balance to the credit bureaus which actually had my account over the credit limit. My credit score dropped over 20 points and I was denied credit for a XXXX lease on XX/XX/XXXX XXXX. See attached Now I have actual damages and will be included in my lawsuit

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 2019-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX XXXX XXXX XXXX. Their investigation results came back as item was deleted on XX/XX/XXXX of 2019. They are refusing to remove it. I have evidence from when I logged onto the Transunion website stating so.

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 2023-11-16
Company: Paramount Recovery Systems, L.P.
State: FL
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 dont have any medical debt or collections and I dont know who these ppl are and information should not be on my credit report I believe this is fraud and would like this issue fixed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I was a customer of US Auto Sales. When they went out of business they illegally " transferred '' or " sold '' our loan to Westlake financial. Unlike most people involved I have my original contract. In this contract it clearly says that our contracts can not be given away, transferred or sold. It goes on to say that no oral changes can be made to this contract, all changes must be in writing and agreed upon by all parties. US Auto had breached the contract prior to Westlake taking over by not paying for the extended warranty I had been paying for. Westlake continued to not honor any of our original contract but are currently stealing our cars, my car was stolen by them on XX/XX/XXXX after they ignored all attempts by me to get a debt validation, a copy of my contact or proof that a court had approved them taking over my contract without having to have my approval in writing. They are currently in the process of selling stolen property. They are also breaking FTC law by harassing me through robo calls calling 1-3 times a day to a cellphone I did not give them permission to call. I have around 100 calls logged as well as voicemails of the harassment. In GA they are required to give a 10 a ten day notice prior to a repossession. They failed to do so. The company they had steal my car still has my personal property and struck another vehicle while stealing my car.

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 2023-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
To Whom It May Concern : I dispute your claim and request validation according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide a breakdown of fees, including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document ( non-electronic ) that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me asrequired under the FCRA. 
Send this information to my email above and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I can not believe that TransUnion is still reporting inaccurate information on my credit reports even after I have alerted them to the inaccurate information. TransUnion has failed to perform an independent investigation which is a violation per FRCA regulations. TransUnion has failed to correct, remove, or verify inaccurate disputed items which is also a FRCA violation. XXXX XXXX XXXX  : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX XXXX XXXX XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX : XXXX You need to remove this immediately due to the fact that XXXX is reporting late payments and a past due on a collection! Remove this for violation immediately. 

XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. No investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX XXXX XXXXXXXX XXXX : XXXX Account was disputed XX/XX/XXXX and the status update still reads XX/XX/XXXX. NO investigation was performed. This is a FRCA violation. Remove this account for failure to perform an investigation. 

XXXX  XXXX XXXX : XXXX You need to remove this immediately due to the fact that XXXX  is reporting late payments and a past due on a collection! Remove this for violation immediately. 

XXXX XXXX XXXX : XXXX The terms reported are incorrect, please delete. 

XXXX XXXX XXXX : XXXX The terms reported are incorrect, please delete.

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 2023-08-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My grandmother 's inheritance gave me some shares in a company in my origin country. I gave my uncle power of attorney to sell my shares and send the money to my account in the USA at Chase Bank. I went to the bank branch and informed them about the transaction, and they told me that it was fine and I won't have any problems with those funds. So on XXXX, my uncle sold the shares for $ XXXX collected the money, and on XX/XX/2023 sent the money through the money exchange office, which usually is the best way they use to send money, and usually, they send it to new york, and then they send it to the bank account. So I received the money through multiple checks and orders from New York. on the XXXX, Chase Bank put a hold on my money and closed my account. They even put a hold on my paychecks through my work. I contacted them so many times and went to the branch asking why they did do that?! and they just said that we need to verify the checks and that they could not do that ; I gave them the name and phone number of the person who did the exchange from New York, but their system is outdated and could not very him, and they are refusing to give my money. It's been 3 weeks, and still not giving me any reasonable explanation of why they are holding the money while I gave them all the information they asked for, I have all the documents of the sale, and that is all legit. 
Please, I need help to get my money back from Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
To whom this may concern I am following this complaint for US auto located in XXXX Georgia. I bought a car with a warranty they close abruptly and transfer the entire balance to the new company, which is a WestLake financial. I was told that I have no warranty on my car and my car is been in the shop for months. Ive paid over up {$1000.00} to have it fixed when I shouldve had a warranty to fix my car I still been out without my car for months now and they have no answers and cant help me. I have contacted a lawyer to try to sue them to have this car removed from my name to die can get a car that I can drive as well as all down payment and monies paid to this car does not show with the new loan company. I need this car removed from my name and return to Westlake so that I can purchase a car that I can drive. This is fraught on every level. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I am writing to address a matter related to an account that has been reported on my credit report. According to the information available, your agency filed a notice of nonsuit for this account.

I kindly request that you initiate the necessary steps to remove this account from my credit report in light of the nonsuit filing. This legal action implies that the matter has been discontinued, and it is appropriate for the associated credit reporting to be updated accordingly.

Your non-compliance with my FINAL request of debt validation will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

Violations of the FCPDA are subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by bringing this issue before a judge. I have been working tirelessly to have this corrected so I will be seeking {$30000.00} for actual damages for mental anguish.

I intend to take all legal steps available to me if the following account is not removed from my credit report within 14 days : PORTFOLIO RECOV ASSOC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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 following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S.

Code 1602 ( p ). Also violating 18 USC 894. Using my name and address without express written consent in violation of O.C.G.A. 16-9-93.1 Then list the items that are creating the negative impact Statement : XXXX XXXX XXXX XXXX XXXX have violated my rights, and restraint of trade in violation of 15 USC1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act.15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

I let these agencies know about these errors beginning in XXXX XXXX XXXX  sent evidence police reports and they continue to report and supply the same information without consent.

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 2023-11-17
Company: LFG Data Services Holdings, LP
State: TX
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 tried to contact this company for the last 3 weeks. When you call you get someones personal voice mail and when you use the website to request you get and error message that tells you to try again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I SENT SEVERAL CERTIFIED LETTERS TO PORTFOLIO RECOVERY ASSOCIATES VIA U.S. MAIL AND BY EMAIL. THE LETTERS WERE RECEIVED BY PORTFOLIO RECOVERY ASSOCIATES DURING THE WEEK OF XX/XX/2023 AND THE FOLLOWING DATES OF XX/XX/XXXX AND XX/XX/2023. MY LETTERS ARE REGARDING THE VIOLATION OF MY NONPUBLIC PERSONAL INFORMATION BEING REPORTED BY PORTFOLIO RECOVERY ASSOCIATES ON MY CONSUMER REPORT WITHOUT MY CONSENT UNDER 15 US CODE 1681b PERMISSIBLE PURPOSE. I ALSO SPOKE WITH THE PORTFOLIO RECOVERY ASSOCIATES DIRECTOR OF DISPUTES ON XX/XX/2023 AND XX/XX/2023 REGARDING THE VIOLATION OF MY RIGHTS TO PRIVACY AS A CONSUMER. THE DIRECTOR OF DISPUTES FOR PORTFOLIO RECOVERY ASSOCIATES ARGUED WITH ME STATING PORTFOLIO RECOVERY ASSOCIATES HAD THE RIGHT TO REPORT ON MY CONSUMER REPORT BECAUSE THEY PURCHASED THE ACCOUNT FROM XXXX XXXX  ENDING WITH ACCOUNT NUMBER XXXX AND STARTING WITH ACCOUNT NUMBER XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have continually tried disputing accounts on my credit reports with Experian, XXXX and XXXX. I have filed police reports and submitted them and they refuse to investigate the information accurately including providing signed contracts verifying who opened these accounts. Theyve also refused to update information with the right balances. 

Below is a detailed outline of accounts that Ive tried to rectify. 

XXXX XXXX {$490.00} XXXX  XXXX {$810.00} XXXX XXXX {$320.00} XXXX XXXX- {$1200.00} XXXX XXXX {$320.00} XXXX XXXX XXXX  ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Collection Consultants of California
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:
On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from Collection Consultants Of California for an amount of {$400.00} now {$600.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofold-validation of debt and HIPPA authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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