BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-29
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a debt validation to the XXXX  main credit bureaus on XX/XX/2021 to Ad Astra Recovery Services for {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Reporting inaccurate and unverified information on my consumer report which is hindering my ability to conduct banking transactions and is harming my consumer report. Selling my Personal Information without my written which is a violation of my privacy. Debt does not belong to the Consumer XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Hi I am writing to express my deep frustration and disappointment with the handling of an ongoing issue related to my BMO auto loan account # XXXX. 

Unauthorized transactions were executed from my XXXX XXXXXXXX XXXX account to BMO on the following dates : XX/XX/XXXX ( {$570.00} ), XX/XX/XXXX ( {$860.00} ), XX/XX/XXXX ( {$860.00} ), and XX/XX/XXXX ( {$860.00} ). These transactions, totaling four in number, were directed to an individual named XXXX XXXX. ( Account # XXXX ) at Harris BMO Banks. To my great astonishment, these transactions took place without my knowledge or consent. 

I contacted XXXXXXXX XXXX on XX/XX/XXXX, to file a claim regarding these unauthorized transactions. XXXXXXXX XXXX, recognizing the gravity of the situation, closed my account and subsequently refunded {$1400.00}, covering the transactions on XX/XX/XXXX and XX/XX/XXXX. 

In addition, I reached out to BMO in XX/XX/XXXX to address and rectify this issue. XXXX XXXX, a Resolution team specialist at BMO, has been assisting me with this matter. During our discussions, it came to light that BMO initiated two fund transfers to my closed XXXX account. On XX/XX/XXXX, an amount of {$860.00} ( with trace number ACH : XXXX ), and on XX/XX/XXXX, an amount of {$950.00} ( with trace number ACH : XXXX ). Regrettably, these transactions were reversed and returned to BMO, and I did not receive any funds with these transfers.

I am specifically requesting the reimbursement of the funds related to the unauthorized transactions on XX/XX/XXXX ( {$860.00} ) and XX/XX/XXXX ( {$860.00} ), from BMO.

Despite my efforts to resolve this matter, I have experienced six months of unproductive back-and-forth with XXXX at BMO. This ordeal has not only been time-consuming but has left the issue unresolved. I am deeply frustrated by the lack of progress and the constant redirection between XXXX and BMO.

It has come to my attention that the root cause of this problem may have been an error made by a BMO representative, resulting in the misdirected auto payments. I firmly believe that it is BMO 's responsibility to address and rectify this situation promptly. 

I am left in a position where I do not know whether to reopen my old XXXX account, as their advice to file a claim seems impractical given that my account is now closed. I am seeking your urgent assistance in resolving this matter and preventing any further unauthorized activity on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, 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 2022-02-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an account with Synchrony Bank in early XXXX. My original credit limit was for {$2000.00}. I have paid have paid over {$2000.00} since XX/XX/2020 and still owe {$1800.00}. Synchrony Bank failed to disclose their XXXX, monthly interest rates, and other 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 monetary relief
Consumer complaint received 2020-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I use to have a Cabela 's Visa credit card in which I set up a annual recurring charge with XXXX for XXXX XXXX. Cabela 's was sold to XXXX XXXX and XXXX XXXX decided to use Capital One as their Visa card company. When my Cabela 's card expired, Capital One sent me a Visa card in the mail. I called Capital One and told them I did not want their card and that I was going to destroy the card which I did. Later I kept getting emails from XXXX stating that my XXXX XXXX subscription was expiring. I then paid the subscription using XXXX and another credit card in XXXX. In XXXX I receive a credit card statement from Capital One showing a balance of {$99.00} on a card that I did not have. On XX/XX/XXXX, I called Capital One and ask how XXXX could charge me on a card that I never activated and they stated that if a merchant contacts XXXX, that XXXX will give them the card number. I told them that in my opinion it was fraud since I never activated or have used the card. They told me to contact XXXX customer support to see if XXXX would issue me a credit for {$99.00}. In called XXXX and explained my situation and they told me to contact Capital One and have Capital One start a fraud investigation. They also gave me a reference # XXXX to give to Capital One. I called Capital One and they said that they would start a fraud investigation which would take about 10 days to completed. On XX/XX/XXXX, I called Capital One 's fraud department to check on the status of my fraud investigation. The rep I spoke to told me that Capital One had not issued a fraud alert on the {$99.00}. He then stated that he would issue one himself and I should hear something in 10 days. On XX/XX/XXXX I received a letter from Capital One stated that my fraud complaint has been resolved. On XX/XX/XXXX, I received another letter from Capital One stating that they have found no evidence of fraud and that my account would be adjusted. On XX/XX/XXXX, I received a credit card statement from Capital One showing the {$99.00} charge. I called Capital One on XX/XX/XXXX to see why I was being charged for something I did not authorize. Their fraud department told me that I was responsible for the charge which I disagreed and ask to speak to their manager. Their manager XXXX tried to explain to me that it was my fault and I needed to pay the {$99.00}. After a few minutes of arguing with her she finally said she would initate a three way call between myself, XXXX and herself. By coincedence, the XXXX rep was the same one I had talked to on XX/XX/XXXX. I went on to state my case and he agreed that I had paid the subscription on XX/XX/XXXX using XXXX. Three days later I am still waiting on a response from Capital One and XXXX about my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-23
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting

correctly. 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted dispute letters to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the account : XXXX XXXX XXXX XXXX Date 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 2023-08-16
Company: EQUIFAX, INC.
State: IL
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: TX
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:
I, a consumer, XXXX XXXX, am notifying you of a dispute of this alleged debt pursuant to 15 USC 1692g. I request that you provide to me with verification of this alleged debt. Verification consists of a formal declaration in where you swear to the truths of the statements of the facts of the matter, have first-hand knowledge, and must be notarized.

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt, which includes reporting to my consumer report with Experian, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitute aggravated identity theft, I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/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 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 non-monetary relief
Consumer complaint received 2023-12-01
Company: Hatfield, Inc.
State: AZ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Confusing or misleading advertising or marketing

Complaint:
I was charged {$10.00} every month for income protection service and never get anything because I was told by Grid income protection that I was ineligible but the website still charging me and now I cancelled the service but never get my refund back

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion Refuses to fix my report. Whatever the case if Im on my spouse card or my my card if the credit card company reports thats not there business to pick and choose what Information goes on my report Im tired and frustrated working manual hours to get them to resolve issue they dont respond they have been sent the complaint more then three times and certified but they dont address it My acct credit card was removed off my report with out me requesting it The credit card company didnt request it, in fact they still report each month and transunion doesnt report the GOOD information I never ask for credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed in fact it helps my utilization as I build my credit. 
Transunion likes people to fail so they have something to report If you are over the limit XXXX transunion drops your score XXXX pts were as experian does likem7-10 points Transunion believes they are private owners they do what they like to consumers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29
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:
I was taken advantage of due to malpractice while several laws were being broken under the FRCA by your company. This has caused me financial injury and defamation of character. I can not get a job, buy a house or apply for any credit. This has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hi. I was having difficulty making monthly payments. Goldman offered a payment plan and was suposed to take pmts automatically. I was taking care of other debts and didn't realize they were not taking money until I got a notice stating it was sold to a collection agency. I was confused because I didn't receive any notifications from Goldman. I continuously asked why they didn't set it up and no answers. I recently received a check from them for {$270.00} for a good will credit for not processing my account correctly. This does not resolved the damages. XXXX, a collection law firm, has entered a judgement against me as well for this. If the auto pmts were set up the series of events would not have took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
BMW FIN SVC XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act. The accounts listed below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I contacted XXXX, Equifax and XXXX to reinvestigate the following accounts : XXXX. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00}, Partial Account Number : XXXX XXXX. XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00}, Partial Account Number : XXXX. 
However, they stated everything was complete and accurate but that is not true as the open date, date of the last activity and much more are incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

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.

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. 
Also, XXXX, Equifax and XXXX are not even in compliance with XXXX credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: TX
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:
This qualifies as a breach of 15 US Code 1681s-2, which outlines the obligations of those furnishing information to consumer reporting agencies. Their omission of a written notice about the account prior to reporting constitutes a violation. As a result, I insist on the removal of the account from my credit report, as I dispute the claimed debt. 

Furthermore, they have transgressed my rights according to 15 U.S. Code 1681b ( 2 ), governing allowable purposes of consumer reports. This violation is evident in their reporting of the account without obtaining my consent and the misuse of my social security information. In light of being an identity theft victim, 15 US Code 1681c-2 mandates the blocking of such data without my explicit written consent. 

As stipulated by 15 US Code 1681a ( 4 ), consumer reporting agencies are obliged to uphold my privacy rights. Regrettably, this right has been infringed upon by the public disclosure of my information, an action to which I never provided consent to your organization. 

I request the immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief