BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-12
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On  XXXX   XXXX   Blake Whitt pl aced a collection on my credit report without properly notifying me according to FCRA, at least 5 days before. The collection agency claims I received mail on  XXXX   XXXX ,   XXXX   but did n't show proof of delivery via certified mail or neither will they tell me which address they sent this mail too. No phone calls were ever made by the company to try and collect on alleged debt to me. No notice was served at all. I do n't even know who the debt is from or why it was collected. I sent out a letter requesting a debt validation to the collector via mail which they have failed to respond to. Please remove this debt from my credit report that was wrongfully added. This has damaged my report by  XXXX  points right while I am in the process of getting a home. If debt is not removed I will proceed forward will suing the collector and the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am currently being sued for a judgement in which I do not owe. I never had the property more than 2 days ( returned the vehicle due to a lemon law and the   XXXX   XXXX   in on me and my child ). I also informed the dealership of this and the company. The company suing is not on any of my credit reports as was reported as fraud. The original judgement I never received as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Cascade CISS Holdings, LLC
State: GA
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:
To whom it may concern : On XX/XX/2021, an unknown entity- XXXX, is reported on my credit. In addition, the account has been closed and they have been harassing me. 

Please remove, this unauthorized information from my credit. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 have always had extreme difficulty accessing my transunion account to freeze and unfreeze credit and to obtain free credit reports. In most cases it takes over 1 hour to be able to get these tasks done and requires assistance from technical support. On my last attempt, I was advised to cancel my existing account and create a new account. So far I have not been able to log in to the new account to determine status of my credit freeze and be able to view a credit report.

There are two other credit reporting agencies that I never have any problems with.

What is it about transunion that is so broken? I am entrusting them to safely guard my confidential personal information and it appears their system is broken and has been for some time. How can this be allowed to continue?

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 2023-08-25
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation that has been imposed on my PayPal account, associated with the email address XXXX. I firmly believe that this limitation has been placed in error. 

I want to stress that I have always been a responsible and compliant PayPal user. I have taken utmost care to ensure that all my transactions and activities align with PayPal 's policies and guidelines. To the best of my knowledge, I have not committed any violations that would warrant such a severe action against my account. 

Considering the above, I kindly request PayPal to conduct a thorough review of my account 's limitation. I believe that a re-investigation of my case will shed light on the misunderstanding or misinterpretation that may have led to this situation. If indeed an error has occurred, I respectfully request the reinstatement of my PayPal account privileges. 

I understand the importance of maintaining a secure and trustworthy platform, and I am fully committed to cooperating with any verification processes that PayPal deems necessary. I value the convenience and security that PayPal provides, and I am eager to continue using your services once this issue is resolved. 

In conclusion, I sincerely urge PayPal to re-evaluate my case and consider lifting the permanent limitation on my account. I am confident that a closer examination will reveal my commitment to complying with all policies and guidelines. I appreciate your time and attention to this matter. 

Thank you for your prompt consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I 've been in contact with Bank of America for over 45 days ago trying to get a second mortgage lien released which the terms have been fulfilled since XXXX XXXX. BofA should have been processed via their lien release with the county within 60 days of the terms being fulfilled according to Louisiana law. Well here we are 1.5 years later and I am trying to close on a HELOC and appears a title problem because BofA did n't do it 's job. I spoke with customer service ( about 3 rude people saying I should have followed up on this in XXXX and not knowing the proper procedure in their system to request this and about 5 nice reps ). I first asked for a Cancellation of Lien Instrument at the beginning of XXXX. A rep XXXX XXXX ( who 's name is not found later nor his extension he gave me ) faxed me Payoff Letter of Satisfaction on XXXX with all the wrong dates of the payoff and told me this would satisfy my request. Later I call back stating that my lawyer says this is NOT acceptable. The next rep stated that my servicing loan officer and their title lawyer needed to file for the request ( she was clueless ). Finally, after many long holds one of the reps knew what she was doing and created an escalated request for the the lien release with a request ID of XXXX, except escalated is still very slowly and has caused a major headache. The problem is that was a month ago and anytime I call I get a run around about the status being in progress and to call back the next week. I 've had a lien released before and it took the company less than two weeks to complete the paperwork and file with the county. Where my frustration lies is that I 've been given a request id over a month ago and most recently a direct number to an escalated team member XXXX XXXX XXXX ext XXXX who wo n't return my phone calls ( 2 voicemails ) and a rep has supposedly sent her an email to call me. When I call customer service they only say it 's in progress ; this is an unacceptable answer. I have made it very clear in several attempts to express the urgency of this matter being that it is hindering progress on my closing, but no one seems to care enough. My patience has run thin I 've called in weekly and sometimes twice a week so I 'm now I 've been led to file a compliant with CFPB as suggested by my lawyer. Bank of America has to do better with their business processes or at least have someone you can talk to who can get things done in a true escalated fashion. BofA is a large corporation with a huge staff surely they can handle such a menial task one would hope. This makes me never want to do any business with them regarding mortgages ever again.

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 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I didnt authorize Bank of America to run my credit I want the hard inquiry removed because the account is closed and not in my collections when I check my credit. This was done on XX/XX/23.

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 2023-04-30
Company: EQUIFAX, INC.
State: NC
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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these is a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds 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 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: NJ
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 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 explanation
Consumer complaint received 2023-04-30
Company: Convergent Resources, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have accounts on my credit that do not belong to me, the company 's say they do belong to me, and said they have proof when in fact they dont my info witch is my ID and SSN dont match what they have.

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 2021-12-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My cell phone was stolen and the criminal got into my online Chase and  XXXX accounts. They stole every penny I had ( over {$6700.00} ) by XXXX ( I don't use XXXX ) and  XXXX XXXX. I put in a claim with Chase which they reversed about {$6000.00} ( only the XXXX payments ) then they took they money back causing my account to be over drafted by {$510.00}. I refused to pay that so they closed my account after 60 days. I am the victim of a crime in which I went to the police department. I was told that they were going to resubmit a second claim. This never happened. I just want my money back that was stolen. I have proof that the money was sent to someone I do not know. This crime was performed on XX/XX/XXXX and  XXXX XXXX  2021. The compromised account # XXXX. The replacement account number was # XXXX ( which they closed on XX/XX/XXXX ). Because I had no money and was unemployed at the time, I had no money to pay my cell phone bill and rent. XXXX ultimately close my account also so I have two collection accounts on my report. There were MANY sleepless night and fear of uncertainty living as a homeless person. Feel free to call ( XXXX ) or e-mail me if you need any other information or need to contact me until I am able to purchase a new phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: CCS Financial Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have accounts on my credit that do not belong to me, the company 's say they do belong to me, and said they have proof when in fact they dont my info witch is my ID and SSN dont match what they have.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I recently received a copy of my credit report and noticed that you are reporting unauthorized inquiries on it. 
I have contacted the following Creditors below and they have no proof I Initiated these inquiries, no written authorization and have failed to provide reason for them reporting the inquiries on my credit report. 
According to Section 604 of the Fair Credit Reporting Act Permissible purposes of Consumers Report 15 U.S. Code FCRA, 15 U.S.Code 1681B In general. Subject to Subsection, any consumer agency may furnish a consumer report under the following circumstance and no other. 
( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by consumer. 
Under 15 U.S.Code 1681i, Paragraph ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) in general. If, after any reinvestigation under paragraph ( XXXX ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The Following Inquiries are Unauthorized XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XX/XX/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 - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX LA XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/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 - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Best Regards, 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 2017-06-25
Company: VW Credit
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Leased vehicle on XX/XX/XXXX. Made 19 monthly payments ( inclusive of the initial payment due at lease signing ), through XX/XX/XXXX. <P/>On XX/XX/XXXX vehicle was struck and rendered a total loss. <P/>On XX/XX/XXXX was contacted by the insurance company of the party at fault and was offered {$14000.00} which they said would satisfy the lien holder, VW Credit. I rejected their offer explaining that the vehicle was worth several thousand dollars more. Money which I had put down in order to lower the balance and resulting monthly payments. <P/>On XX/XX/XXXX I contacted VW Credit to advise of the situation at which point they advised me that they had ( on that date ) just issued a loan payoff letter guaranteeing title to the insurance company in return for the {$14000.00} offered ( and earlier rejected by me ). I asked how I would recoup my investment at which point they very abruptly answered " we 're satisfied, you 'll need to take up your concerns with the insurance company. '' On XX/XX/XXXX I contacted the insurance company and again disputed the amount of the settlement. I was advised to provide comparables supporting my claim of the vehicle 's value. I gathered and provided the comparable vehicles, as instructed, on that same date. <P/>On XX/XX/XXXX the insurance company finally conceded that their initial offer was erroneous and modified their offer to {$17000.00} plus taxes ( {$1200.00} ) and fees ( {$18.00} ), totaling {$18000.00}. <P/>I accepted on the premise that the amount offered {$18000.00} less the payoff of {$14000.00} would return to me {$4200.00} which was approximately the amount I paid into the lease at the start. <P/>I was then advised by the insurance company that the payoff amount had increased to {$15000.00} reducing the balance payable to me to {$2700.00}, a difference of {$1500.00}. I asked them to explain the increase in the payoff amount, which they could not. We contacted VW Credit together and was told plainly that if the insurance company had agreed to pay more then they wanted to collect more and therefore refused to honor their original payoff ( again, which was offered in writing ) of {$14000.00}. <P/>The insurance company ( indifferent to who they pay ) has since satisfied VW Credit in the amount of {$15000.00} and issued to me a check in the amount of {$2700.00}, effectively removing themselves from the dispute. <P/>VW Credit openly acknowledges that their demand of {$15000.00} represents the full balance of the loan ( {$13000.00} residual, plus 17 remaining payments of {$140.00} ) with no discount for unearned interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-24
Company: TRANSWORLD SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the FCRA this creditor has violated my rights. 
Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.

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 2023-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
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:
My credit status is verified which showed me some that were not done which were the following capital one a debts {$470.00} that the account opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Co-signer

Complaint:
I am a co-signer for a student loan and I wish to no longer receive calls about the loan because I am retired and not working. However, I know the borrower has been making payments but I should not be associated with the lender anymore and I like to be removed from their call list. These private lenders are too aggressive when reaching out to XXXX  persons and I can not keep track of their arrangements with the borrower.

Company response to consumer: Closed with explanation