BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-31
Company: CREDIT ACCEPTANCE 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 information incorrect

Complaint:
I request Credit Acceptance to update my account to correctly show that it is a closed account with the terms removed as it is showing I am obligated to pay {$380.00} a month. This account is closed and in collections. I purchased this vehicle in XX/XX/XXXX. I voluntary surrender this vehicle in XX/XX/XXXX. It is showing on my credit report as a closed account with remarks affected by natural disaster as to why I voluntarily surrendered it, and instead of the company removing the terms after reselling it ( which I never recieved the resale information ) this company is reporting monthly on this closed collection account as if I am making monthly payments and that I am not but it shows 67 % debt to income ratio. I have not made a payment nor am I going to. I contacted the lender for them to correct this as its reporting in accurately every single month. This creditor will not assist or correct it and I have contacted my State Attorney General as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Paypal Holdings, Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Venmo in which I was receiving unemployment benefits ; without notice and explanation froze my account with {$5900.00} in unemployment benefits frozen since XX/XX/2020. I am requesting an investigation and asking the my consumer right are protected and my much needed FEDERAL UNEMPLOYMENT IS RELEASED IMMEDIATELY. THANK YOU XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, INC.
State: TN
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:
XX/XX/XXXX credit inquiry by places unrecognizable by XXXX XXXX XXXX I applied for auto loan approved next day they hit my credit alot that day wanted a XXXX $ down payment due to a collection on report from XXXX XXXX that is over 7 yrs old and they won't take off Equifax or XXXX I got it off XXXX and after I was approved for a loan in XXXX XXXX XXXX they sold the truck I wanted now credit is to bad to get financed anywhere XXXX XXXX is still saying I am not making payments on XX/XX/ and the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: ALLY FINANCIAL INC.
State: AK
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:
In XXXX of 2020 I contacted Ally and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. Ally told me they understood and then reported the loan late to XXXX 30 days. 

In XXXX of 2020 I actually contracted XXXX and was sick for nearly 90 days. I again contacted Ally and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to XXXX  60 days late in XXXX. To XXXX Ally reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.

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 2022-10-13
Company: BOK FINANCIAL CORP
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, I called Bank of Texas where I have an account that has been sitting for many years. I have lived in CO for a few years and decided I needed to close the account a couple of years ago. They told me to send a letter in requesting the account to be closed and they sent me a letter stating my signature did not match the opening signature.. I was not present for the opening of the account as I did it over the phone to open the account. Fast forward to a few years later, I decided I will just register to view my account online and it said the account number does not exist. I have over 25 statements showing my account number ( they have my middle name spelled wrong on the statement ). I verified over the phone my full name, address ( no longer live there ) and my old phone number that was used to open the account which was a land line at the time. She said it was all correct. Then I gave them the account number which is listed on all the statements they mailed to me and they said it was not correct. They then told me I had to come to the location in Texas to hear anything about my account and why it froze in 2019. She also stated they could only text the land line number on the file for verification and that would not work so I had no choice but to travel to another state to find out about my funds. I asked to talk to a manager and she said no I had to come in person. I am very scared at this point as they will not even tell me what happened to my money. It is completely unreasonable to ask someone to fly and spend hundreds of dollars to even speak to someone to find out where my money is. I need to know where my money is and how I can get the money and close the account. They can even transfer it to the original place it came from to open the account. I do not trust this bank at all at this point and need the money put back to the bank it was sent from to open the account. I have attached a copy of one of the statements I have saved in my file cabinet that shows this is the actual bank account number. She was saying that I was wrong. Here is proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have contacted my bank and explained over a dozen times about an unauthorized transaction made on my account however the bank chooses to not do anything about the matter. After submitting two disputes that went no where, I requested for my claim to be escalated to corporate office to which I am told, there is no corporate office and that there is no one my case can be forwarded to other than a floor supervisor who knowledge is on the same level of a call center employee. The fraudulent case was not appropriately or diligently investigated or resolved and in order to find out more information about my case I have to wait for an email which may take 10 days to receive. Furthermore, to submit disputes, it has to be done via email that will be responded to by an auto generated email. Everytime I have spoken with someone, it was because I called them. No one responds to the emails you send. Also, when I call and speak to someone, I am constantly having to explain my issue over again because my previous call was not thoroughly documented. Chime should be shut down for this type of negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2022-11-09
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ
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, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. XXXX is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory XXXX party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof as permissible purpose of reporting these fraudulent accounts. Every time I write to or call XXXX they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my XXXX credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to XXXX are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. XXXX seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay XXXX to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as XXXX issued drivers license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by XXXX and all unauthorized 3rd parties listed in the notarized affidavit and complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: IN
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 recently received a copy of my Experian, XXXX and XXXX consumer report, and it has come to my attention that the company is reporting my transactions with their company to the consumer report. 

XXXX XXXX XXXX LATE PAYMENTS : XX/XX/2022 ACCOUNT # XXXX This company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my consumer report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, XXXX XXXX XXXX is in violation of 15 USC 1681.

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 2022-11-09
Company: Experian Information Solutions 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 sent letters to EXPERIAN, XXXX, AND XXXX on XX/XX/2022 and XX/XX/2022 and its been well over 30 days and I still haven't received anything stating why these collection aren't removed. According to 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX have 30 days to respond to my dispute this is a VIOLATION of my rights

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 2022-11-04
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
For 6 months I have been being billed {$0.00} followed by a ghost charge - I was denied during the {$100.00} signup promotion & company never provided a response by physical mail or reason as to why I was denied I believe this company may be age discriminating

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: NY
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:
According to company response # XXXX from CFPB!! 
ON THE RECEIPTS FROM XXXX XXXX 
I HAVE NOT USED THE CREDIT CARD!!! 
THESE RECEIPTS SHOW XXXX XXXXXXXX FEES AND LATE CHARGES AND INTEREST DEVOURING THE CARD!!! 
DOES NOT SHOW ME PURCHASING ANYTHING, SO HOW DO THEY GIVE ME CREDIT AND CHARGE ME ALL TYPES OF FEES AND I DIDNT USE THE CARD IN MY POSSESSION AND ALSO I LOST MY WALLET AND STILL DID CALL THE FRAUD DEPT AND TOLD THEM I LOST MY WALLET AND THEY TRIED TO SEND ME BACK TO CUSTOMER CARE WHEN THEY REALIZED I DIDN'T USE THE CARD, BUT XXXX XXXXXXXX CLOSED THE CARD BECAUSE OF NONUSAGE, BEFORE I LOST THE CARD!!! 
HOW COULD XXXX XXXXXXXX DO THIS, IT SHOULD BE ILLEGAL OR CRIMINAL TO GIVE AND TAKE BACK AND CHARGE FEES FOR NOT USING THE CARD AND PUT ME OR ANYONE INTO DEBT AND REPORT TO ALL 3 MAJOR REPORTING AGENCIES, XXXX, Experian and 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 2023-01-25
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
CREDIT CARDS OEPNED UNDER FRUAD : XXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 

XXXX XXXX XXXX  opened XXXX XXXX and closed XXXX XXXX. 

XXXX XXXX opened XXXX XXXX and closed as a XXXX XXXX in XXXX. 

CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 
XXXX XXXX  opened XXXX XXXX XXXX opened XXXX twice XXXXXXXX XXXX XXXX XXXX  XXXX CITI BANK CHECKING /SAVINGS XXXX XXXX XXXX XXXX XXXX  XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2021-03-06
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
THE THREE BUREAUS CONTINUE TO REPORT A COLLECTION ACCOUNT FROM XXXX XXXX WITHOUT A PROPER INVESTIGATION INTO THE ACCURACY OF THE INFORMATION. Merely adding a statement that the account is being disputed is not enough. When the creditor refuses to address the dispute and claims that there is a collection agency, that creates a scenario where the consumer can not have any recourse. 
The creditor will not address the derogatory reporting, the collection agency can not and the credit bureau can report as long as the creditor says the information is correct. What is a consumer supposed to do? I have attached the account that is inaccurately being reported. 

Bureaus have not compiled with the requirement that if the creditor does not provide proof in 30 days, the information should be deleted. Please see what was provided by XXXX in response to my requests for proof. I have attached the details of one of the investigations by one of the bureaus. I could not access results of disputes from other bureaus. See dates reported to bureaus and dates of unitemized bills.

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 2022-10-25
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-11-04
Company: Velocity Portfolio Group
State: AZ
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:
Company reporting negative information on my report. 
Company using personal information without consent. 
Company obtained personal information without consent. 
Company reports negative information on my report to extort payments. 
I have not done business with Company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Action Collection Agencies, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First, they call me when I'm at work. I asked them to stop calling and was told that they can't do that until I set up a payment plan. 

Second, They won't tell me what the debt is for ( company that I owe ). They told me that they don't have to give me that information until I verify my phone number full name and address and set up a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed out of XXXX for a real estate rental, XXXX XXXX, my bank did not warn me of or provide me with fraud protection. The money was transferred into a bogus account set up by a hacked email

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