BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  # XXXX has violated my rights.

15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information.

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 explanation
Consumer complaint received 2020-12-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
I registered for the PayPal promotion at https : //www.paypal.com/us/webapps ... XXXX on XX/XX/XXXX. 

The promotion offers a {$25.00} cash reward after three purchases of {$35.00} or more using PayPal at XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX. 

I made the 3 purchases at XXXX on XX/XX/XXXX, but did not receive the {$25.00} credit as promised from the promotion. The promotion fulfillment window of 5-7 business days has now passed, and PayPal has not credited the reward. 

I contacted PayPal support, who has been unable to resolve this issue. First they denied me I didn't make the 3 purchases on the participant merchants. I replied them that I made the 3 purchases on XXXX which is one of the participant merchants. Then they denied me again that I didn't save the promotion which I did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: BMW Financial Services NA, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Good afternoon! In XXXX of XXXX I took out a vehicle loan with BMW Financial Services. The last payment was due XX/XX/XXXX. I had autopay set up because I was ( and still am ) in the military so the convenience of the payments coming out automatically was important. All payments were made on time from XX/XX/XXXX to XX/XX/XXXX. For the final payment, there was an issue with the autopay on BMW Financial Service 's end as it was closing out the account. I reached out to BMW Financial Services via phone immediately upon seeing it showed the account past due. I spoke with a customer service representative, who understood the situation, admitted it was an error on their end, and sent me an email to complete a document and send it to have the account ( which then showed delinquent ) properly updated to closed with no missed payments as they stated they do not update credit reporting via phone. I completed that form, which was a typical dispute form. I've attached the document BMW Financial Services sent me in XX/XX/XXXX. 

Upon going through my credit report in XX/XX/XXXX, I saw on XXXX of my XXXX reports ( XXXX ) the account showed delinquent for a missed payment in XX/XX/XXXX, but the other XXXX credit reporting bureaus were annotated correctly. I sent a dispute through XXXX. Because it had been almost XXXX years, I did not quickly have access to the correspondence with BMW Financial Services, so I was able to provide an explanation of the situation and not much else. Luckily within the last few days I was able to get access to the email BMW Financial Services sent me outlining the delinquency would be removed, and have since updated XXXX with this information. 

In the meantime, BMW Financial Services has incorrectly told XXXX the account was delinquent, and went a step further to update XXXX with the incorrect reporting information, meaning now - almost XXXX years later - a new delinquency for an account closed XX/XX/XXXX is showing up in XX/XX/XXXX for the first time. 

I've since furnished the email to XXXX so they can reopen the dispute, but can not provide it to XXXX due to the fact that XXXX does not accept updated information mid dispute, but rather must wait until the dispute is closed and then open a new dispute 180 days later. I do not want to prolong this incorrect information being on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have 60 days late payment reported on my credit History on XX/XX/20 by roundpoint mortgage. I refinance the house in XXXX, and I had closing done in mu home. I sign the auto deduct form to roundpoint on the day of closing, and was told that payments will automatically deduct, when they are due. Couple Months later I got a letter from them that I am late on payment. I called them and explain them the same thing, they waive the late payment and I paid them all three month of payment on same day, and since then I am auto paying the payment on time with no issues. I was told that it will not be reported on my credit report as it is not my fault, but a communication gap on the Roundpoint side.

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 2023-08-04
Company: AAA Auto Title Loans, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a line of credit online with cash 1 in XX/XX/2023. The type of credit I applied for was a personal loan. I was approved for XXXX dollars and a XXXX dollar one time fee was added to that, so my loan amount should have been in total XXXX dollars. I live in Arizona where 10 % is the max apr. The total apr for this amount should be XXXX. I do not have a vehicle, and did not apply for a title loan. Apparently one of the online employees added a vehicle not belonging to me to the paperwork. I did everything online, and never was given any paperwork through the mail, email, or through the telephone app, nor can I find a copy of any of my paperwork. I have already paid XXXX dollars towards interest alone on this loan, three times what it should be for the entire year. I can prove I never owned a XXXX XXXX XXXX which is the vehicle they are claiming I put on my paperwork. They are intentionally and illegally frauding me. They refuse to fix this situation. I really need help. I'm a XXXX XXXX XXXX woman, so these fraudulent charges are coming out of my social security check every month. I have paid in total so far XXXX dollars of a XXXX dollar loan. With the interest added on, I should only owe XXXX, but they are saying I owe XXXX dollars. That's more than I even borrowed. I had no way of knowing they would do this, and the company shows XXXX  interest in correcting any of it. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; XXXX. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. XXXX. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My Bank of America Account was charged numerous over draft and insufficient funds fees. My account is now closed and in default because of this.

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 2019-10-18
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a continuation with my compliant ID XXXX. Loan Depot paid off my Loan with XXXX XXXX by XXXX. They are complaining to me that XXXX did not return that payment to Loan Depot. Now they are involving me in this process telling me to tell XXXX to return the payment or they will file a suite to put me back on the mortgage with them. I contacted XXXX today and was told that they was not contacted about this problem. They did say that they would not return the funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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:
Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/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 explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 need this thing that is not mine to be eliminated, 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: Helvey & Associates, Inc., Warsaw, IN Branch
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:
I filed my Bankruptcy on XX/XX/2022. So I called several companies to notify them, including XXXX XXXX, with which I was current on payments. Then, for no reason, XXXX closed my account, cut off my service, and illegally entered my checking account, to withdraw money to pay for XXXX months of service. 
As far as I know, while a person is in the middle of a bankruptcy case no company is allowed to contact customers under that case, however, they sent me bills every month during the XXXX months that the case lasted. 
When I complained to the Bankruptcy XXXX, he called XXXX 's attention because they had acted illegally against the Bankruptcy laws, first by sending me monthly bills and then taking money from my account without authorization. 
But then XXXX sold my information to the collection company XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IN XXXX, phone XXXX. They sent me a bill asking for the payment of the balance of {$100.00}. 
So I called XXXX on XX/XX/2022 ; I spoke with the agents XXXX and XXXX to whom I explained the case that I was protected under the Bankruptcy law of the state of XXXX. So they told me they were going to investigate. 
After that date, they never called me again or sent any notification, until I received a notification from XXXX XXXX indicating that XXXX reported the XXXX account as " Collection/Chargeoff '' on my credit. 
I immediately called XXXX and the same agent XXXX refused to listen to me, mocking my claim, and hung up on me.

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 2022-04-12
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 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2018-02-20
Company: JPMORGAN CHASE & CO.
State: IL
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:
On XX/XX/XXXX my son informed me that something was going on with his account - monies taken out and monies coming in and he realized that he had lost his debit card. He was at work so I contacted Chase immediately. Explained that there were charges on XX/XX/XXXX that were not my son 's and reported card missing and asked to freeze account. Filed a complaint report with the bank based on the 3 transactions that occurred on XX/XX/XXXX. Told the bank that the {$200.00} charge was questionable as he did take out {$200.00} but not on the XXXX. As you can see from the attached printout it states the XXXX but it was actually on the XXXX, which my son said he did take out that amount on that date but not on the XXXX. Chase claims someone went thru their automatic system and provided them with enough info to believe it was my son claiming that the {$120.00} my son deposited in cash was {$2000.00}. Chase believed this person and deposited an additional {$1800.00} on the XXXX where someone went to the south side within the hour and withdrew {$1800.00}. My son was at work at this time. Chase refuses to work with the XXXX XXXX. XXXX XXXX XXXX that has contacted them. Also filed a police report. Now Chase went into my personal checking account with my husband and took out {$1900.00} that my son 's account was in arrears due to the fraud that occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE 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 belongs to someone else

Complaint:
This is my 2nd 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 items 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-28
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : 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 explanation
Consumer complaint received 2021-03-10
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Please help me. My employer informed me today that they received an EMAIL from an attorney 's office for a judgement creditor named XXXX XXXX, XXXX. In the letter, was my complete social security number that ( by way of that email ) went to several persons within my company. 

I am completely embarrassed that this went to several persons in upper management and I feel that his has caused harm to my reputation. I did read about the XXXX XXXX XXXX XXXX and I feel that my rights have been violated. in that first ; they sent this to my employer, second ; they released my entire social security number to many individuals and third ; they have tarnished my reputation with a company that I have been employed with for 23 years. 
I have attached the letter that was emailed to my employer, but I hid my SS #. 
What recourse do I have? 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation