BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-01-05
Company: Volvo Car Financial Services U.S., LLC
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Debt collector or creditor has been calling during my hours of employment. I received a payment remittance coupon in the mail on XXXX. XXXX ; y statement included amount due {$2300.00}, Due Date XX/XX/XXXX. My vehicle was repossessed on XX/XX/XXXX from my place of employment, XXXX in XXXX, XXXX. All of my personal property was in the vehicle. I wasn't able to receive my personal property until XX/XX/XXXX. 
They have violated 15 USC Code 1692f ( 6 ) ( a ). They have also gave my personal information to a third party XXXX XXXX XXXX who stole my vehicle which is violation of 15 USC Code 1692c ( a ) ( b ). They furnished me with deceptive forms and have violated 15 USC Code 1692j ( a ). They charged me {$6000.00} cash down payment which is illegal during a credit transaction which is violation of The Truth In Lending Act 15 USC Code 1605.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
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:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: NCB Management Services Inc.
State: MO
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:
Good Morning, Request for Deletion of Charge-Off I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company NCB management services inc and XXXX XXXX XXXX 

As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details.

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: OneMain Finance Corporation
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: Account status incorrect

Complaint:
The company has charged off and closed the account back in 2020 and reopened it, and charged it off again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: ALLY FINANCIAL 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:
I Disputed date of first delinquency changed on report to XX/XX/XXXX from XX/XX/XXXX. 
still reporting wrong DOFD date extending date of removal until XXXX from 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 2021-10-05
Company: Fay Servicing, LLC
State: VA
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:
Fay Servicing LLC is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is Fay Servicing LLC XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
My Venmo account was suspended for no reason, and now I am not able to use it. I have created a ticket, and it was closed with no response. From what I read online, An ID is requested which I will not be able to give.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Servicer Transferred to Specialized Loan Servicing, effective XX/XX/XXXX. The XX/XX/XXXX payment had already been made to, and deposited by, the previous loan servicer. I provided Specialized Loan Servicing with proof that the previous servicer had sent them the XXXX payment. The proof is a copy of the previous servicer deposited check, and their Wire sent to Specialized Loan Servicing on XX/XX/XXXX. 
I have also spoken to several of their lower level customer service representatives who are not able to help in any way, just place their daily harassment calls. Those calls are supposedly recorded. 
Specialized Loan Servicing states they are looking into it, but in the meantime, when I paid my XXXX payment, they applied it to XXXX, and as of XX/XX/XXXX have already started making collection calls asking where my XXXX payment is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX first. I use my citibank credit card. On my card there is a monthly flex plan. U can by items and pay it off monthly. I order from XXXX and bought items. These r the charges I am disputing. XXXX. After I purchase this items I check my citi credit transaction. When I seen this charges individual charge. Not saying under the flex plan. I thought they were fraud. So I cancel my card. And filed a fraudulent complaints. This is the month of XXXX. After they did the investigation on those charges it turn out they were legit charges. So they reverse XXXX charges on XX/XX/XXXX. But I told they were right. Even tho charges wasn't fraudulent I am also currently paying those charges in my flex monthly plan. So they r trying to recharge for those item that I am currently paying for now. I been calling the last three week. Trying to get them to credit me for those reverse XXXX charges that's under my flex monthly plan. They being literally lying to me saying they r going to credit me those charges. And since they r trying to rebilled me for item I am still paying off. Under the flex plan. Ever time I call I been told that they will credited me those charges. And have not done anything to credit my account back. Which Has made me go over my credit limit. That's is messing up my credit. By being over my credit limit. I am constantly being transferred to department to department. Having to repeat this over and over again. And nothing Been resolved. And my credit report is being affected by those charges. That I am all ready paying for under my monthly flex plan. I can prove this by my documents from my acct.

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 2023-01-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was anticipating a large cash transfer from my distributor in XXXX. I asked my Chase bank representaive to look at the transfer paperwork and asked him to have a Chase Bank transfer specialist to look at it, He said it looked OK but that he could not have a transfer specialist to look at it. I called the Chase bank XXXX number and asked if I could scan the document and have a specialist look at it and was told I could not send them a copy but they took the transaction numbers down and said they would report back to me in 24-48 hours. I have still not heard back in three weeks! then I went to a branch and met with a bank officer, a XXXX XXXX XXXX and asked him to look at the transfer and have a transfer specalist to look at it. He said he could not do that but that it appeared OK to him. I found out that a hacker had hacked my email and changed the wire to instruction to my distributor to send the funds to a Chase account in North Carolina that was set up using a variation of my company name and with my full name on it! I provided that information to XXXX XXXX and the other officer and no one took anty action. Te funds were sent to the made up account at the Chase Bank in North Carolina and they would take no action to prevent the fraudulent account from being accessed! This has severly damaged my business any my ability to do futher business in XXXX and this could have been prevented! I have a poilice report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 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 2019-08-04
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I subscribed to ProtectMyId, an Experian product endorsed by XXXX. Listing my credit cards, glitches with my XXXX XXXX card began. 

I cancelled my {$8.00} monthly XXXX XXXX subscription. 

My credit cards, driver 's license, social security card, birth certificate, XXXX XXXX   insurance card, extra passport photos, library cards, car key, house keys, work keys, PO Box keys, and product cards such as XXXX were stolen from where I live. More than once. I suspect my vehicle was illegally used when while at work, researching behind closed doors and where I live. This is larceny and thus bought the ProtectMyId credit monitoring. 

Is a consumer report used by aggressive marketers, product competitors, and health care subcontractors? 

Stealing my insurance card might be used to buy groceries and create a problem for me. Stealing my photographs and mail might create a fraudulent federal ( U.S. citizen ) identification to travel. 

Connecticut so far hasn't employed me for non-skilled labor, where I'm a life long resident. The Department of Labor won't calculate my Unemployment Benefit rate factually and is in the second Appeal.

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 2022-12-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
PayPal closed my account and is holding my funds with no explanation on why. 
I have tried contacting them many times, giving me a run around. 
I have never heard of a bank for no reason holding funds for 6 months. This is not a US bond. 
I want my funds back now from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: EQUIFAX, 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:
Treatment of inaccurate or unverified viable information. 
( A ) In general if after every investigation under paragraph ( 1 ) Of any information disputed by consumer or item of the information is found to be in accurate or incomplete or can not be verified the consumer reporting agency shall, 1. Probably delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the and 2. Promptly notify the furniture of that information of the information has been modified or deleted from the consumers file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX To whom it may concern, I just got my credit report and its wrong I was informed I have the right to have a investigation done. Credit reporting Laws ensure that bureaus report only 100 % credit accurate Every step is taken to assure that the information reported is completely accurate and correct. The following information, Therefore, needs to be reinvestigated please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : - Payoff Disclosure - Interest Rate Disclosure - Balance History - Payment History - Credit Insurance Validate Accounts : 1. XXXXXXXX XXXX XXXXT : XXXX THIS CONTRACT IS CANCELLED 2. XXXX XXXX XXXX XXXX THIS CONTRACT IS CANCELLED 3. XXXX XXXX ACCOUNT : : XXXX, XXXX, XXXX THIS CONTRACT IS CANCELLED 4. XXXX XXXX XXXX ACCOUNT : XXXX  THIS CONTRACT IS CANCELLED 5. XXXX XXXX XXXX : XXXX  THIS CONTRACT IS CANCELED 6. XXXX XXXX XXXX XXXX XXXX XXXX THIS CONTRACT IS CANCELED 7. XXXX XXXX ACCOUNT XXXX THIS CONTRACT DOENSY BELONG TO ME I respectfully ask you to provide some kind of proof of these alleged items specifically the contracts notes or other instrument bearing my signature. 

Additionally please provide name, address, and phone number of each credit grantor other subscriber. 

I also heard under federal law you have 30 days to complete your reinvestigation be advised that the description of the procedure used to determine accuracy and completeness of the information is here by requested as well to be provided within 15 days of the completion of your reinvestigation. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
I understand I currently have an open complaint however, there are new alerts added to my credit impacting my score such as XXXX XXXX. I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still struggling with the same dilemma. This is hindering my opportunity of homeownership. I have been researching the FCRA believing that it works in the favor of the consumer as long as the proper work is done thoroughly. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. If they fail to do this then I expected, according to the law, that the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. Account # : XXXX XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX # XXXX -XXXX XXXX XXXX XXXX ( this new item added to my credit report even asking for proof, getting no response ) and -XXXX XXXX XXXX XXXX # XXXX ( Correct the status-account is open ) XXXX XXXX XXXX XXXX # XXXX. These items are having a huge negative impact to my score and is depressing. In addition, I still have personel on my credit reports that are not mine and Ive asked that it be removed : XXXX XXXX XXXX Apt XXXX XXXX, VA XXXX. The correct spelling f my name : XXXX XXXX XXXX XXXX Employment Information : XXXX, XXXX ( Ive never worked with this employer )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: NC
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 am writing to express my deep concern and dissatisfaction with the conduct of BMO Harris Bank in handling my financial information. On XX/XX/XXXX, I initiated an account with your institution, expecting a level of confidentiality and adherence to legal regulations. Unfortunately, my experience has been marred by several alarming violations, which I believe warrant immediate attention.Key Points of Concern : FCRA, Fair Debt Collection Act, and Credit Privacy Act Violations : BMO Harris Bank has, without my explicit consent, disclosed my non-public information to third parties. This action stands in direct contravention of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Act, the Credit Privacy Act of 1974, and 15 USC 1681 ( b ). Such unauthorized sharing of personal data raises significant legal and ethical questions.Breach of Terms and Conditions : Furthermore, the bank has failed to uphold its own terms and conditions by denying me the right to opt out. This is a direct violation of 15 USC 6802-6805, demonstrating a disregard for the contractual obligations established between us.Continued Non-Compliance : Disturbingly, despite these concerns being brought to light, my non-public personal information is still being reported to third parties, as evidenced by my consumer report with XXXX consumer XXXXeporting agency. This persistence in non-compliance compounds the severity of the issue.In light of the aforementioned violations, I kindly request that BMO Harris Bank takes immediate corrective actions to rectify these breaches of privacy and adhere to the stipulations set forth by relevant laws and its own terms and conditions.Please consider this letter as my formal complaint and expect further legal action if these matters are not promptly addressed. I anticipate your immediate attention to this grave matter.

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