BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-02
Company: Experian Information Solutions Inc.
State: NJ
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:
There are multiple Accounts on my report I do not recognize

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 2023-09-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Bank of the West gave illegal access to my aunt and I safety security box, where we kept our private documents. I have asked several times for the copies of everything, even after they admitted they were wrong and they have decided to ignore me. I gave them every document requested. They even had me come down on my birthday to collect the documents and pictures, and after having me stand out in the sun for almost an hour ( the location was closing ), they didnt give it to me. Not only do I strongly believe they racially discriminated against me but caused fraud to be committed against myself, my aunt and my children. They need to be responsible for the over $ XXXX in losses they caused immediately

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 2021-08-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Im disputing two fraudulent accounts for XXXX XXXX and XXXX XXXX/XXXX XXXX these investigations took more than 30 days and Equifax is unable to block these items due to identify Theft and put them in a regular dispute instead they are unable to assist me over the phone and didnt remove these two accounts or my inquires I currently have XXXX inquiries all of them fraudulent. Every since the Equifax data breach started these account were open without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, XXXX XXXX Account number XXXX Date opened XX/XX/2019 Please mark each account as being disputed The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

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 2021-04-13
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was permanently banned PayPal refused and balantly lied in my first complaint. My account was banned on XXXX the XXXX not over XX/XX/XXXX. My account was banned because of me get lump sum of XXXX from a friend for my stuff he bought. When I tried withdraw it be some this whole back and forth. They wasnt XX/XX/XXXX rewiew. One his agent got mad banned me again. That why it seems like I got 2 bans in which I recovered I am planning on suing this company. They steal money from people and pass it on. As for unemployment. My friend who recently got out jail. Used my PayPal account number to receive his unemployment. For a few weeks before I changed it. PayPal didnt have problem with than why have problem with it now. It been 200 days since the permanently ban. I just want my funds back. Tell the company to give me my money. PayPal is terrible scamming there innocent consumers. Worst part the guy who sent the XXXX was limited for 180 days but got his account back in one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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
Consumer complaint received 2021-05-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
OnXX/XX/XXXX I initiated a bank to bank transfer from my Fifth Third Checking to my checking account with another bank. I initiated this transfer for the full amount in my 5/3 checking, as I needed the funds to cover a bill in the other account. It allowed me to initiated the transfer, and at no part in the process did a detect a disclosure of any fee associated with the transfer. Additionally, I did not even suspect there would be a fee, as there is not a fee for this same service at my other bank. None the less, I reviewed my account on the morning of XX/XX/XXXX and detected that they had withdrawn {$3.00} more than my requested transfer amount, causing my account to become overdrawn. I contacted customer service, explained that nowhere did I detect a clear fee disclosure, that I could have simply made the transfer from the other bank if I had known there was a fee, and/or I could have made my transfer for {$3.00} less in order to cover the fee. I requested Fifth Third to reverse the fee. They said they can not. I requested proof of the fee disclosure during the transfer initiation process. They could not. They provided a PDF copy of the main account disclosures, but could not, or would not provide proof that the fee is disclosed during transfer initiation. This seems deceptive to me, by not clearly and boldly displaying the fee at the time of transfer, in addition to even allowing the overdraft to occur by allowing a transfer which exceeds the total sum of the balance plus the fee. This is not even to mention the poor customer service not to just take care of a {$3.00} misunderstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and public records listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXXXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : XXXX. XXXX  XXXX bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

XXXX. Bankruptcy XXXX  XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Equifax and XXXX continues to allow prior lenders to incorrectly report on my credit report. 

I underwent a debt management program - the end of which was supposed to result in the removal of the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account as XXXX written off when it was only {$8000.00} XXXX is reporting the account as {$12000.00} written off when it was only {$8000.00} XXXX XXXX is reporting as if they wrote off {$1300.00} when they only wrote off {$800.00} XXXX  is reporting they wrote off over {$4000.00} when they only wrote off XXXX XXXX XXXX XXXX is reporting they wrote off {$3300.00} when they only wrong off under {$1700.00} XXXX XXXX  is reporting they wrote off {$4400.00} when they only wrote off {$2000.00} I have disputed this with each individual bureau and they refuse to update the records, yet they continue to allow each of these creditors to update my credit report to reflect additional late pays, delinquencies, and charge off codes that were not present when the accounts were settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Prince Parker & Associates
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a collection letter from Prince Parker that sated they were trying to collect on an older XXXX XXXX XXXX XXXX invoice that I did not feel I owed. However, I tried to deal with XXXX XXXX XXXX and they would not talk to me because I " didn't have my password ''. I had already switched to account to another Mobile provider so I ignored XXXX XXXX XXXX. The letter from Prince Parker stated that I had until XX/XX/XXXX to call/write to dispute the debt, otherwise they would assume their information was correct. I considered contacting them with an offer of settlement, but my main concern was that my credit rating not be affected as I had just built my score up after bankruptcy and foreclosure in XXXX. Since I had until XX/XX/XXXX to pay/dispute the debt this was not # 1 on my priority list. On XX/XX/XXXX at XXXXXXXX XXXX. I received a phone call from a representative to " verify the information ''. 
She stated that they had sent me an email and a collection letter on XX/XX/XXXX. I advised her I had received neither, and my letter was dated XX/XX/XXXX and again, no email whatsoever. I advised the rep that I was probably going to pay in full by the date stated of XX/XX/XXXX since my credit rating was so important to me and I didn't want the credit score providers to include any collection activity. She stated it had already been sent to at LEAST XXXX. On XX/XX/XXXX I received a notice from my credit monitoring service that my score had gone down-XXXX Points on XXXX and XXXX points on XXXX. On XX/XX/XXXX I signed into the Price Parker website and submitted a dispute of their actions and I wanted the credit bureaus to be notified IMMEDITELY that this was a premature action on their part as I would be paying in full on XX/XX/XXXX. After coming home from a job in the early afternoon of XX/XX/XXXX I called into them and spoke with a rep that stated the collection action notification was withdrawn ( it stayed on the site for 3 more days ) and I paid them IN FULL over the phone with a credit card. My credit scores are still down XXXX points from before this organization took premature action and NEVER have sent ANY electronic communication to 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 2023-08-31
Company: EQUIFAX, INC.
State: NC
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:
UNATHORIZED INQUIRY ON XX/XX/23 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 non-monetary relief
Consumer complaint received 2019-07-05
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2019 and XX/XX/2019 I requested verification of several accounts on my file. 

The data furnisher has not to date responded to my request. I have given them more than enough time to complete their investigation. They have ignored my request to update personal info such as my name variations, phone numbers, and address, along with them not providing requested info about verification of accounts listed above. under FCRA Section 611 Part ( A ) ( 1 ), i have a right to dispute inaccurate items and request verification without them using E-oscar and they must respond within a certain time frame and they have not on both occasions. I am requesting they delete the below accounts immediately The accounts are as follows : XXXX XXXX 2 times/accounts ( equifax   only ) XXXX XXXX 3 times/accounts ( equifax only ) XXXX XXXX 2 times/account ( equifax only ) XXXX XXXX XXXX ( equifax only ) XXXX XXXX XXXX ( XXXX and equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. 

Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. 

I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. 

I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. 

In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. 

I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. 

Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraudulent items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: HYUNDAI CAPITAL AMERICA
State: TX
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:
This Kia XXXX was paid off on XX/XX/2021. We confirmed with Kia Motor Finance on XX/XX/XXXX that the vehicle was paid off and the title would be released. We received a paper lien release in the mail, but the lien was never electronically released with the XXXX. We called for an update on the electronic release on XX/XX/XXXX, and were told it was taken care of and the lien would be lifted in 7-10 days. I called again on XX/XX/XXXX and was told that the payoff had not been " properly allocated '' back in XXXX so it was going to take another 10 business days to release the lien. I called again on XX/XX/XXXX and was told that the payoff was properly allocated and the account was closed, so now the electronic lien would definitely be taken care of. I called again on XX/XX/XXXX and spoke with XXXX who said it was very weird that it hadn't been taken care of yet, but he would escalate it to his supervisor and the lien would be lifted in 3 days. I called again today, XX/XX/XXXX and spoke with XXXX. I was told it still wasn't taken care of and all they can do is escalate it again. I requested to speak with a supervisor, and spoke with someone named XXXX. XXXX told me there is nothing she can do other than keep emailing the title team and asking them to release the lien. I asked for information as to why it hadn't been taken care of yet and I was just told that she didn't know, she didn't have any information, and all she can do is send another email. It has been over 4 months since this title was paid off and all that needs to be done is a click of a button to electronically release the lien.

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 2024-01-15
Company: ALLY FINANCIAL INC.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Auto Finacial was contacted by me today in regards to their auto pay policy because my checking account is accumulating fees due to Ally trying to retrieve the pay over 10 days earlier than the auto payment agreement, ally continues to charge my account before the agreed auto-pay date. this problem continues to persist with tacked-on fees from Ally. Their consumer services refuse to acknowledge the excessive attempts to charge my account before my payday and auto pay agreement and proceed to hang up on me leaving me with late payments and fees.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2020-03-06
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 National Credit Adjusters violated FDCPA practices by attempting to collect a debt that is not only not mine, failed to prove is mine, the statute of limitations on this debt has expired.

Company response to consumer: Closed with explanation