BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-04
Company: FC HoldCo LLC
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:
This vehicle was repossessed by XXXX XXXX XXXX in the State of  Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

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 2023-09-28
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have BMO Harris - relationship checking account.

It seems this BMO Harris - online banking is done by some really incapable people because nothing works. On top of that - their support is really pathetic - one after the other transfer and they have no idea what they are supporting. 
I had an issue to open the account online. Later I need to spend 1.5 hours on phone to get the account opened. Now I am getting another issue : warning -> You must validate your email address before you can transfer funds. 
When ever I want to transfer money out of BMO to external bank account. I am getting the warning message that " You must validate your email address before you can transfer funds '' due to this funds can not be transferred from BMO account to some other accounts of mine. 

I put the same code that I got on the email but still the same issue. 
Called BMO at around XXXXXXXX XXXX  Central time - no help from customer service and then useless phone transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NY
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the following Incorrect Addresses, Phone Numbers and Incorrect spelled names from XXXX, TRANSUNION and XXXX credit report. 15 USC 1681s-2-, A person she'll not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Incorrect phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX. 

Incorrect Addresses : XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX ). XXXX XXXX XXXX XXXX Ohio XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX, XXXX ). XXXX XXXX XXXX XXXX XXXX XXXXXXXX Michigan XXXX XXXX ). XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Michigan 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 2023-09-25
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I'm the co-signor on my daughter 's loan with Sallie Mae and she is currently on a re-payment plan with them ; however, Sallie Mae continues to call me for collection on the loans. Sallie Mae has also made phone calls to some of my relatives discussing payments needed on these loans. Now, Sallie Mae is stating the total debt is due and must be paid to them. I'm unable to pay the total debt amount. Even the payment plan that my daughter is paying them is a very high amount for a college grad.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Maximus Education, LLC dba Aidvantage
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: Their investigation did not fix an error on your report

Complaint:
My previous student loan servicer ( Navient ) has turned my student loans over to Dept of ED/XXXX. I have disputed inaccurate items on my credit report. However, they are reporting these items as accurate. I have an 11 year old account on my report with a last report date of XX/XX/23. These actions violates ( FCRA ), 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: KEYCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a personal checking account online with Key Bank on XX/XX/2022 and gained online access. I made some deposits to start using the account, totaling {$1500.00}. On XX/XX/2022, I discovered my account had been restricted when I could no longer log in online. 

No one notified me of the restriction, or instructions on how to proceed. I called online support, various branches, executive client relations, and fraud support to discover my checking account had been " flagged '' and under investigation because I am located in California and Key Bank does not have a footprint in the state. 

Key Bank has refused to release and return my balance, and I am unable to transfer out my funds or re-gain online access. I would appreciate my balance of {$1500.00} be returned via a trackable shipping method like UPS. 

I would also recommend Key Bank to revise their business practices to notify account holders of any such restrictions and to inform them of next steps forward, rather than for the consumer to be kept in the dark while their funds are inaccessible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: CA
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:
Equifax won't remove negative items from my report, I called several times and provided documentations, yet I keep getting the same answer we verified but won't explain how. I was informed that Items will remain on my credit report for 7 years. The other Bureaus were able to remove why can't Equifax do the same. 
Congress passed the FCRA Laws which allows you to permanently remove negative items from your credit report using pre written dispute letters. You can remove these following items legally Collections Late Payments Medical Bills Repossessions Evictions Charge offs Bankruptcies Many More fyp.XXXX XXXX XXXX HOSPITAL BILLS, STUDENT LOANS, CAR REPOS, CHARGE OFFS, LATE PAYMENTS AND BANKRUPTCYS 15 U.S.code 1666b 15 U.S.code 1666, 15 U.S.code 1681B, 15 U.S.code 1681A. 
XXXX XXXX XXXX ( XXXX ID : XXXX ) won't provide any documentation that this account belongs to me and Per XXXX CONSOMER ACCESS there not even licensed to operate in the state of California. Therefore, it needs to be removed from my account immediately. XXXX XXXX it's a car repo since XXXX with {$65.00} charge only. 
How long before a debt becomes uncollectible in California? 
four years The statute of limitations on debt in California is four years, as stated in the state 's Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. You must follow proper procedures if these claims are in your system and to be used in my credit reports! 

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.

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 2019-02-04
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2018 my mortgage was sold to a new servicer - Citizens One bank. Shortly after the sale, monthly payment amount went from XXXX to XXXX ( I was unable to get a clear explanation as what the reason for the increase was ). Since I had automatic payments set up with my Bank ( XXXX ), I continued making a monthly payment in the amount of XXXX for two months after the increase took effect. 
Rather than billing me for the difference, Citizens One, who discovered the problem in XX/XX/2018, decided to refund my two monthly payments (!!! ) and then started making threatening calls to me, claiming I was about to default on my mortgage. I had to make an emergency payment of XXXX to make my account even. 
The two payments of XXXX were refunded by ( physically!!! ) mailing 2 separate checks to my home address - each in the amount of XXXX, one on the XXXX and another - on the XX/XX/XXXX. Naturally, one of these checks got lost and despite me calling Citizens One numerous times for a replacement check, none was sent to me. It has been nearly two months and I can not get my money back! 
I find it absolutely outrageous that this kind of unprofessional and borderline fraudulent behavior is tolerated - Citizens One is clearly incapable of providing quality service to its clients and should not be allowed to service consumer loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
There are XXXX accounts on my Transunion file reported by XXXX that transunion refuses to remove even after the company sent deletion letters to have the account removed. I requested that the company provide me with validation regarding their claim, and they never provided the documentation. I filed a complaint against the company with the CFPB, in which they were not able to validate the account and agreed to have the information deleted from my credit files. Transunion sent me an updated report from XX/XX/2015, and these accounts are currently listed. By law, if a company can't validate the information they are reporting than it must be removed from the credit files. Additionally, I have disputed this information with Transunion in the past, and they have always verified that these accounts were validated and verified as accurate. Being that the company requested these accounts be deleted, I am not understanding why Transunion will no comply and removed these files from my record. XXXX sent these request electronically to Transunion before this file was mailed to my home and the accounts are still listed. Please assist me with getting these accounts removed as the company XXXX requested and as I have kindly requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was looking at my credit report and noticed that XXXX XXXX sold an outstanding bill of {$470.00} to Credit Collection Service and it was really hurting my credit. I contacted Credit Collection Service and a customer representative identified herself as XXXX. I explained to her that I do not know why XXXX XXXX would submit this to them when I have to pay monthly and if I do not pay then they lapse my motor vehicle policy. Anyway, I decided to go ahead and negotiate to have it removed from my credit report and the customer representative told me they could not remove it from my credit but would accept {$280.00} as PAYMENT IN FULL and to have it reflected on my report as PAID IN FULL with a {$0.00} balance. I really wanted it removed but she insisted that it could not be removed but would reflect PAID IN FULL {$0.00} balance. I took a look on my credit report today XX/XX/XXXX and noticed that they deducted the {$280.00} from the outstanding bill of {$470.00} and renew the balance of {$190.00} as a new debt. This is grossly dishonest and I really would appreciate your assistance in this matter. They have further damaged my credit by not report the debt as PAID IN FULL {$0.00} balance as promised and instead posted a new debt with the balance of {$190.00}. The customer service representative provided the following information : CONFIRMATION OF PAYMENT : XXXX # XXXX - CUSTOMER REP : XXXX Any assistance provided would be greatly appreciated. I am hoping they recorded the conversation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have reached out to Capital One Auto Finance and XXXX XXXX XXXX XXXX by Phone, certified mail, and email regarding the inaccurate information and missing information in my balance history in my credit file with Capital One Auto Finance. I have been trying to get the inaccurate and the missing information correct, since XX/XX/2020. I am extremely appalled by how the investigation has been handled. I have filed five disputes with XXXX XXXXXXXX XXXX XXXX regarding the inaccurate information within my credit file with Capital One Auto Finance and every single time the results that have come back stated that the data was updated and is completed. But, the information has not been corrected nor updated!!! In the meantime, I kept losing points on my credit score due to filing a dispute. 

I have gone back and forth between Capital One Auto Finance and XXXX XXXX XXXX XXXX, both keep giving me different information. Capital One Auto Finance has shared that they send out payment information monthly to all three credit bureau. XXXX XXXXXXXX XXXX XXXX are sharing they are not getting the information. Instead of correcting my credit file, they keep blaming the other. 

I have never been late on my installment loan. All the inaccuracies started in XX/XX/2020 of last year. Within the balance history on my credit report with XXXX XXXX XXXX XXXX for my account with Capital One Auto Finance, there are six ( 6 ) months missing and for some of the months that are listed, it shows I paid {$0.00}. I have provided payment to XXXX XXXXXXXX XXXX XXXX but they stated that the information has to come from Capital One Auto Finance. I have submitted proof that shows these inaccuracies to Capital One Auto Finance and I was told that they have sent the information but they can not make XXXX  put the information into their system. This is the information from XXXX  If your creditor reported your account balances to us, we list them in this section as additional information about your account. This section includes the scheduled payment amounts, amounts actually paid, and the dates those payments were made. This has not been done!!! 

The payment history is correct but it is my balance history that is not correct. There are figures missing out of the equation within my balance history that make a big difference when it comes to your credit score. I have lost 39 points due to the missing information within my balance history. 

I really did not want to file a complaint against XXXX or Capital One Auto Finances with the Consumer Financial Protection Bureau but it is affecting my credit score.

Please see attachments 1 and 2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX has violated my rights on the date of XX/XX/XXXX As well as XXXX XXXX XXXX XXXX XXXX date of XX/XX/XXXX Along with XXXX illegal/Wrong inquiries from XXXX XXXX XXXX the first date of the violation by XXXX is XX/XX/XXXX next one is XX/XX/XXXX Last but not least the XXXX wrongful collections I have on my credit profile one by Credit Collection Serve Date XXXX XXXX XXXX XXXX XXXX & XXXX Date Opened XXXX XXXX 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 My name is XXXX XXXX I will not be abused by these by these rich companies no longer I work hard and have money and will take my time to hold every last company accountable this stuff is literally illegal why do this to hard working good people that pay taxes its fine I will make all companies pay through the justice system thank you & god bless

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 2019-11-24
Company: The CBE Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE CBE GROUP # XXXX Re : Notice for Proof of Claim Account : THE CBE GROUP # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.

The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Today XX/XX/2022 I received a text from an unsaved number telling me, exactly this : Free Msgs Citi : Your mobile banking has been locked due to an unusual login attempt. To certify please visit : XXXX. 

I do not have a Citi or Citibank account, so I should not be receiving these messages. The phone number sending this message is 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