BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-17
Company: Professional Placement Services, LLC
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A certified letter was sent to Professional Placement on XX/XX/22 asking them to verify the debt owed- to include the name and address of the original creditor, the account number and amount owed, verification that there is a valid basis for claiming I am required to pay current amount owed, details about the age and amount of the debt including a copy of the last billing statement from the original creditor, a detailed explanation of any interest added or payments made, legal authorization for this interest, the date the debt became delinquent and if the debt is within the statute of limitations and how that was determined. Also requested were details about the authority to collect the debt and whether you licensed in our state, license number, name, address and state agency issuing the license. 

None of this information was ever sent per our request and therefore this debt needs to be deleted off our credit report as we are unable to validate our debt- per the Fair Debt Collections Act.

This collection was disputed on our credit report and the
company would not delete it. This is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: BETHPAGE FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX of XXXX  my lease was up and I decided to switch it to a loan to buy out the car. In doing so bethpage federal credit union decided they were going to change the vin number on my title. They demanded I have it changed by going to the dmv and after I mentioned taking legal action since they had previously hurt my credit they told me they were fixing it on the phone which is recorded by them because they stopped responding to my emails. XX/XX/XXXX my brother totaled my car in a no fault accident. After a bit of time goes by me and my insurance company find out that the vin number was never fixed. They even tried to say my insurance company had the wrong vin but they had pictures of the vin from the accident on the car. They also never sent me the packet to go to dmv to transfer the title in my name. Now 30 days later Im losing my rental car and Im going to lose out on the car I put a deposit on because they said theyre going to have to wait 2-3 weeks for the dmv to send a duplicate title with the correct vin. My livelihood and job are now being put on the line including the well being of my baby brother who I work for since Im a XXXX worker and he is XXXX and I need a vehicle to take him to doctors and his programs.

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 2023-05-30
Company: Experian Information Solutions 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/2022 Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: BOEING EMPLOYEES CREDIT UNION
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:
On XXXX - 2021 I went into the branch at Boeing Federal credit Union in XXXX Washington I opened a personal checking and savings account along with a credit card which I was approved for in the amount of {$27000.00}. When the card arrived I tried to activate it however I wasnt able. I called in and tried to speak to a representative Who was very rude and very abrasive.And she ultimately wanted to know my race which I dont understand how that please as a criteria for my approval or my relationship with the bank. They asked me to submit in documents which I did .First they told me it would take 24 hours then they told me it would take five business days then they told me it would take seven business days and I keep getting the runaround from these representatives at this institution which is very unprofessional to say the least.My credit report clearly states that this account is open and in good standing so I should be able to utilize this credit which was granted to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2022, I took advantage of a Balance Transfer offer with my already existing citibank credit card. I have had this card for 10+ years but have not used it for the majority of that time. I had the payments set on auto-pay so I had not looked at the statements until XX/XX/2022 where i noticed they had charged me a monthly fee of ~ $ XXXX {$25.00} each month for a " Payment Safeguard '' service that I never requested, nor was communicated to me in any of the balance transfer documentation that this fee would be charged. This is stated on the statement as an optional charge - however i was not notified prior to this fee/service being billed. I did not want this optional service. I called to remove this service and request a refund. They told me I had no way of getting in touch with the refund department but that I would receive something in the mail with the final decision. The letter stated that because my account was protected during that time, i was not entitled to a refund. I did not request this Payment Safeguard, and now i'm being charged interest on the amounts of the service fee! I have not been able to speak to anyone directly about this, except to cancel the charge. This was deceitful in placing this on my account without my 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 explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX  XXXX, Account # 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 items of information, other than records of convictions of crime 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 2022-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
On or about XXXX 2021 I entered a loan obligation with Capital One Bank XXXX Capital One loaned me {$39000.00} to purchase a XXXX XXXX XXXX. The terms of the loan were at 8.460 % interest with a monthly note of {$700.00} for XXXX. From initiation, I had made timely monthly payments in accordance with the terms of the loan contract agreement. However, on or about XX/XX/2021, I reached out to Capital One customer service, via telephone, with concerns about my loan account balance and for an explanation as to why my account balance was higher than I calculated the figures to be. Specifically, my billing statement for the XXXX of XX/XX/2021 showed my loan balance as being {$35000.00} but according to my calculations the amount should have been {$33000.00}! The Customer Service representative put me on hold to get me to the right person or a supervisor to speak to but then we were disconnected! At any rate, on or about XX/XX/2021, I forwarded a letter to Capital One advising them that I disputed the Account balance and offered to settle the account balance for {$5000.00}. See attachments. Thereafter, I forwarded Capital One a cashiers check in the amount of {$5000.00} to settle the disputed account balance. XXXX accepted the settlement offer cashed the check that I sent to them. To date of this complaint, Capital One has not released the lien on the XXXX to the vehicle as agreed upon in the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my Equifax consumer credit report and file online and Equifax refuses to give me access. This is the second time the issue has occurred. Equifax provided a false and misleading statement that my consumer credit report and file was already accessed online. Equifax is in violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: United We Collect, 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 UNITED WE COLLECT INC acct # XXXX Has violated my rights under section 15 U.S. Code 1681b that states- The creditor must have written instructions of the consumer to whom it relates to report any items on my credit report.

This creditor does not have my written instruction or permission to report any items on my credit report furthermore I have no knowledge of this account and it belonging to me. I have sent letters requesting proof of this debt belonging to me and this agency refused to respond and provide the required documents according to the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: EQUIFAX, INC.
State: IL
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 monitor my credit to prevent fraud. From XX/XX/XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of 1970, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by 150 points in a month. I have included a plot of the data. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XX/XX/XXXX-XX/XX/XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
CREDIT BUREAUS REFUSE TO REMOVE LATE NOTICE AFTER SEVERAL ATTEMPTS MADE BY " XXXX XXXX '' SUPERVISOR  OF LOSS MITIGATION ; HE HAS SENT THEM NEW " AUD '' ON UNIVERSAL DATA FORMS, LETTERS, ETC. TRANS UNION IS NOT COOPERATING IN REMOVING THIS LATE NOTICE AFTER SENSITIVE DOCUMENTS HAVE BEEN SENT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Self Financial Inc.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
I opened a credit builder account at https : //www.self.inc. The website claims to build your credit by creating an installment loan that they add to your credit report, and I make the payments into a CD account for 12 months, or faster if I want. After the payments are made in full, they're supposed to give the money back. 

They verify me BEFORE opening the account asking for my address, date of birth and social security number. After everything was verified, they opened an installment loan on my credit report for {$1600.00}. I opened the account on XX/XX/2022. 

Now after I paid off the installment loan, they're supposed to give the money back to me. Because it's not a real loan, they never gave me any money. They just created an installment loan on my credit report for {$1600.00}. After I pay that amount into their CD account, it's supposed to show the installment loan is paid and closed, and they return the money. 

After I paid the full amount within 3 months, they don't want to return the money because I think they are running a ponzi. I don't think the money was deposited into a CD account and they don't have the money. 

They are telling me that I need to verify my identity to prove my identity and keep the account open. But the account is paid in full and closed already. They're asking me to verify my identity by sending them my bank statements to prove I paid for the installment loan. They want to look through all bank statements for the past 3 months to prove the money came out of my account to pay the installment loan before they give me my money back. 

This is not how a CD account works. Your identity is verified before you open any type of bank account. You don't have to send bank statements to prove to put money into a CD account to withdraw your money. 

I read their reviews too late, and they do this to everyone who pays off the loan earlier than 12 months. That's their trick, they think they won't have to pay the money back until 12 months later because it's a 12 month installment. So if you pay off the loan early, they don't even have the money to give back to you. That's a ponzi scheme. 

They have no problems opening the account for you, but when its time for them to give you your money back, suddenly they pretend like they don't know who you are and you need to take picture holding your ID, send all your bank statements, and other weird the know people won't do. If you refuse to do it, they just keep your money and keep sending you to a page that explains why they're asking for those verification documents. But the page they send you to is about verification documents they might ask you to provide BEFORE opening an account. 

I don't get a real response from the company. Just the same pre-written email telling me to send them my bank statements, and a link to the page talking about documents they might require BEFORE opening an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions 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:
XXXX XXXXXXXX XXXX  XXXX XXXX account number XXXX ) I am writing to acknowledge receipt of your recent letter dated XXXX XXXX in which you have stated that you have verified and validated the late payment that was previously disputed by me on XX/XX/XXXX. 
I appreciate your prompt response to my dispute, however, I would like to request that you provide me with the PROOF and documentation that was used to verify and validate the late payment for XX/XX/XXXX. As a consumer, I have a right to receive this information under the Fair Credit Reporting Act. 
I would also like to bring to your attention that the late payment that have been reported on my credit report is in violation of 15 USC 1666 b. This law requires that creditors report accurate and complete information to the credit reporting agencies. 
Given that the late payment have been reported in error, I would like to request that you take immediate action to correct the information on my credit report and remove the late payment from my account. I expect a prompt response to this request, as well as a confirmation that the late payment has been removed from my credit report.

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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/XXXX, I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$620.00} ), XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$450.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Original amount {$2000.00} ), XXXX XXXX XXXX  ( Date Opened XXXX. XXXX, XXXX, Balance {$670.00} ), XXXX XXXX ( Date Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX Original amount {$520.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
DEPT OF ED/XXXX  is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX/XXXX  is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX  XXXX XXXX is fraudulent on my Acct # 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 2023-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Hi, Bank of America deposits into my account {$6700.00}. But the actual claims was {$19000.00}. I'm still short around {$12000.00}. The Bank of America still has my fund in the amount of {$12000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30
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:
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, Account name XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX : # XXXX, account name XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation