BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid my car off on XX/XX/XXXX. At the advise of the loan officer i was told that it would report as lien released within 48 hours or as soon as money shown as removed from my bank account. I was told by representative that she could make two checks by phone for total amount because the limit for each transaction was {$5000.00}. She drafted a {$5000.00} transaction and a {$3000.00} transaction. I was told that once the money was deducted from my account that i could get my lien released. XX/XX/XXXX i called back and spoke with a supervisor XXXX. I was told that it would take 11 day to verify funds before the lien could be released. He finally after being pressed agreed to see if he could get it done as promised. He asked me to email a copy of my bank statement showing sufficient funds to complete the transaction. I emailed it to XXXX. I received a document saying BMO Harris has no financial interest in my car. Its now the XXXX and the electronic release still has not been received by the state of Florida. I spoke with a XXXX XXXX tax collector who informed me that the lien was still in place. 
XXXX XXXX stated that there was nobody above him to complain to and that his supervisor was on vacation anyway and had no idea when shed be back. Only that i could not contact her. 
Spoke with a XXXX who claimed to be at the same level as XXXX XXXX. She confirmed that release of lien was no requested on the XXXX as states several times by XXXX XXXX. She stated that it was requested released a little after XXXX today after my 4 th call to 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 2023-08-12
Company: Chime Financial Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Over {$10000.00} was transfered from my XXXX XXXX checking account to my Chime ( XXXXXXXX XXXX XXXX. and/or XXXXXXXX XXXX XXXX XXXXXXXX. XXXX checking account many months ago successfully. Since then when I attempt to transfer less than {$1000.00} or {$2000.00}, no transfer often fails to occur. Chime states that a transfer has been completed ( for three days-four days ). However, XXXX XXXX XXXX  customer service state that no transfer attempts are seen in the record. 

I need the {$10000.00} in my XXXX XXXX checking account for XXXX XXXXXXXX XXXX  staff can obtain foreign currency for me- for an upcoming trip. 

Thank you. 
XXXX XXXX XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio recovery and associates is continuously reporting unverifiable, inaccurate, misleading, & fraudulent information on my consumer credit report. A violation of federal law. 

After reviewing my annual report I have noticed that portfolio recovery and associates has reported to the three major credit bureaus. An account under the name : portfolio recovery and associates ; original creditor XXXX XXXX  XXXX. 

Back in XXXX of XX/XX/XXXX, I sent a validation letter to the company to accurately validate this account. 

As of today XX/XX/XXXX I have yet to receive a response. Meanwhile this account is being reported to the three major credit reporting agencies. 

My validation request was as follows ; : Provide a full detail & calculation of the debt they say I owe, : Provide last payment received, : Provide statue of limitations of which may apply in my state : Provide original creditors name address and contact information, : Provide a full description and proof that I agreed to pay the debt they say I owe, Again as of today XX/XX/XXXX I have not received a response. A violation of FDCPA section 809b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: GOLDMAN SACHS BANK USA
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
APPLE CARD/ GOLDMAN SACS IS SAYING I OPEND AN APPLE CARD AND THAT I AM RESPONSIABLE FOR THIS. I HAVE NEVER APPLIED NOR GOTTEN An APPLE CARD BUT THEY KEEP CONTACTING ME VIA TELEPHONE ASWELL AS REPORTING ONE ON MY CREDIT REPORTS. THEY SHOW IT AS BEGIN PAST DUE AND IT IS NEGATIVLY AFFECTING MY GOOD CREDIT. I HAVE BEEN TRYING TO GET THIS RESLOVED FOR SOME TIME BUT HAVE NOT MADE ANY PROGROSS AT ALL. THEY ALWAYS CALL AND CAN'T SEEM TO TELL ME MUCH OF ANYTHING, IVE NEVER GOTTEN ANYTHING IN WRITING NOR ANYTHING IN THE MAIL. THIS IS NOT MY ACCOUNT AND THEY PLEASE NEED TO REMOVE IT FROM MY CREDIT REPORTS! MY INFO IS AS FOLLOWS XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX XXXX SSN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 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 2022-05-16
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX On the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was marked as being late on my credit report even though I called and made arrangements and accommodations was made. My account is now current and was current prior to XX/XX/XXXX. According to the CARES ACT " If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends '' I have contacted the credit bureau as well as the creditor and nothing has been done which is against the law and my rights given to me by the CARES ACT. 

Experian is currently violating my rights given to me according to the CARES ACT by showing late payments for the above dates.

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 2022-05-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not consent to or authorize or benefit from the following inquiry listed below : XXXX - XXXX XXXX  XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Atlanticus Services Corporation
State: VA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My name is XXXX XXXX I leased a vehicle from XXXX XXXX XXXXXXXX on XXXX XXXX, the lease was done through chase bank. The car was then stolen recked and totaled out, I was dealing with the police, the bank and the insurance company. I was told by my insurance company that check was issued and sent to the bank and I dont need to make payments to the bank. I later found out there was a dispute between the bank and the insurance company and the bank sent my account to collections so they can take possession of the vehicle which delayed the insurance payment and led to my account going into collections. I was never called or informed about my account getting ready to go into collections. They claim they didnt have my cell number which I find hard to believe because the dealership I purchased from still calls me on that number. I even called in to make the last due payments but they didnt let me make those payments because of the status of my account. I would like CFPB to protect me as a consumer and get this taken off of my credit history. The account was paid for the bank received there money I just need the fact that this account went into collections for less than 2 months 3 years ago taken of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One has restricted my account to verify transactions. I appreciate and Thank Capital One for taking those steps to prevent fraud, though, it does not mean that Capital One has to give so much hardship nor do they need to mistreat, bounce the call and refuse to escalate the issue to the executive offices. These actions taken by fraud departments are unbearable and needs to STOP immediately. To verify my identity you will need to contact me on the number that is reported to the fraud alert with the consumer reporting agencies. 
( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Spring Oaks Capital, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A COMPANY BY THE NAME OF SPRING OAKS CAPITAL AS OF XX/XX/22 IS REPORTING A DEBT THAT SUPPOSENDTLY OWE BY ME IN THE AMOUNT OF XXXX DOLLARS. I DO NOT KNOW WHO THESE PEOPLE ARE AND I DO NOT OWE ANY XXXX DEBT! I HAVE NEVER RECIVED ANYTHING IN THE MAIL NOR E-MAIL FROM THESE PEOPLE REGAURDING THIS!! IN THE PAST IVE HAD ID THEFT HAPPEN BUT THAT WAS A FEW YEARS AGO. THIS IS 100 % NOT MY DEBT AND THEY NEED TO REMOVE THIS FRAUD ASAP. MY INFO IS AS FOLLOWS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IF THEY WANT TO REACH OUT TO ME THEN SO BE IT. MY SSN IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from XXXX  EQUIFAX, XXXX  and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till XXXX. All 3 credit bureau XXXX, EQUIFAX, XXXX are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions 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:
On XX/XX/, I check my credit report and noticed it was inaccurate for XXXX XXXX, XXXX. I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. I also sent in mail dispute to provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. I also stated to please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account with 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions 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:
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. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
there are more than 16 different names listed on my account. 
While i only have one name which is XXXX XXXX. 
At first Experian added wrong addresses on my report and now they have added wrong names All other names listed on my credit report should be deleted with immediate effect.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: CA
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:
Accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. '' First Investors got a copy of my Experian Credit Report. 
XXXX XXXX XXXX got a copy of my Experian Credit Report. 
XXXX XXXX got a copy of my Experian Credit Report. 
XXXX XXXX XXXX XXXX got a copy of my Experian Credit Report. 
I told them to not run my credit report, I already got pre-approved through Golden 1, which the salesman had verified.

15 USC 1681 section 602A. states I have the right to privacy. 15 USC 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 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 7 years. 15 USCs - 2 ( A ) ( 1 ) : A person shall not furnish any information relating to 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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX 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 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 2022-12-21
Company: Experian Information Solutions Inc.
State: FL
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 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 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 explanation