BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: Experian Information Solutions 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 came across a bankruptcy on my credit report that was not fully verified. I disputed this information to Experian and they claimed that it was verified. I asked for a description of procedures along with the source who provided them the information. They refused to provide the source other than stating that the courts verified the Information. I reached out to the court house and they responded to me in writing stating that they don't provide any information to credit reporting agency. I also provided to the courts an Affidavit of facts because I didn't authorize the release of any personal information. I then went on Experian 's website and came across XXXX is the vendor for public records in which Experian records. Problem is, if Experian did a proper investigation from XX/XX/2021 dispute then they would have realized that XX/XX/2021 XXXX removed the alleged bankruptcy because it was unverifiable. Im trying to understand why the bankruptcy is still on my report. I want to make Experian aware that they must fully understand by law that they must fully identify that anything they get from a reseller or vendor. This not only includes the name and address but it must include date of birth and full 9 dight social security number. the FCRA also states that a bankruptcy may be on a consumers report up to 10 years but it never stated that it must be on a consumers report. Lastly I pulled a PACER report with the docket number provided on the consumer report and it lists incomplete information which makes the report unverifiable by not listing all XXXX dights of the social security number and does not have any report of a birthdate making it unverifiable. In this complaint is attached of all the evidence that Experian should have investigated but they failed to do so because they would have to delete the bankruptcy that they erroneously reported.

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 2023-03-20
Company: DISCOVER BANK
State: KY
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:
See attachments below. Your report didnt fix anything for my problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX and Equifax are reporting a US Dept of Edu inaccurately, despite the AUD which was sent to them in XXXX of 2022 to remove ALL negative information. The account they continue to report showing a balance of {$36000.00}, is a accumulation of the other 19 US dept of Edu accounts which are reporting in good standing and never late as a result of the FRESH START PROGRAM. I have dispute this in the past yet Both Equifax and XXXX continue to report it inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Strategic Alliances, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX is a law office that collects debts. They reached out to the hospital and were given a medical chart with explicit medical details on it and forwarded to me in the mail which ended at my neighbors and them opening and reviewing my medical chart. This is a direct violation of my HIPAA rights. Then they filed a lawsuit against me without validation of the said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I send {$400.00} to XXXX XXXX to a bank account I use money gram for the transaction, but hey said the account number was wrong, but how this people can get the money if the name and the account number wasnt same.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Credit Collections Services is a Third Party debt collect in direct violation of the FAIR DEBT COLLECTION PRACTICES ACT for contacting a federally protected consumer they have never done business with. 


They sent me text messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX over an alleged debt. 

I envoke my federally protected consumer rights pursuant to 15 USC 1692g ( a ) and request that you provide me with the information within 10 days or no such debt exists. 


Please see exhibits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX, VA. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to XXXX, XXXX  and Transunion on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

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 2023-09-09
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I obtained a loan for a XXXX XXXX XXXX from a dealer in XXXX Ohio through Credit Acceptance. The car came with a XXXX XXXX mile warranty and roadside assistance, which I thought was a good deal. Turns out it's not! They only pay for parts and I'm told by others getting a tow is next to impossible! I'm responsible for labor and a {$100.00} deductible and getting a tow.

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 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I charged a deposit for a stay at the XXXX XXXX XXXX in XXXX XXXX NJ. On XX/XX/XXXX I charged a deposit of {$720.00} to hold my hotel stay for XX/XX/XXXX. Due to COVID-19 I have to push my stay until XX/XX/XXXX. My family has decided because of COVID we were going to cancel the reservation. The hotel was fine with it and refunded my money to the debit card I used to make the reservation ending in # XXXX. The problem is that sometime between that charge and now I lost that card and a new card with a new number was issue to me. The new card and the card ending in # XXXX were both attached to my same bank account ending in # XXXX. However, because of the amount of time between the card being lost and now the card is no longer attached to my account # XXXX. The hotel is unable to refund any other card and the bank is unable to retrieve the funds from the old card because it has been too long according to them. So I have a hotel that wants to refund me {$720.00} and a bank that is unwilling to get me those funds. How do I get my money back?

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 2023-09-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I bought this motorcycle new in XXXX  from my local XXXX dealer. The loan was financed by a bank identified on the title as HSBC. I paid the loan off in 6 months. I sold this bike on XXXX and transferred the title to the buyer. The buyer notified me 2 weeks later stating he was unable to license the motorcycle due to not having a signed and notarized lien release from the bank listed on the title. I looked for the lien release but was unable to locate. I looked up the bank listed on the title and contacted them stating my situation and after numerous calls and emails they basically tell me they can not help me because they have no record of my loan because they have purged their records so there is no way can can give me a signed and notarized lien release. Instead they give me a " no interest '' letter which is not signed or notarized by HSBC. I give this to the buyer and he takes it back to motor vehicle dept in Missouri and they tell him this letter will not work because its not signed or notarized. I again notify HSBC by email and again they tell me they can not help because they have no record of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 submitted a complaint with CFPB on XXXX, complaint number XXXX-XXXX on capital one.On XXXX capital one responded that they needed more time to work on issue.On XXXX capital one called me at XXXX and the lady handling the complaint XXXX-XXXX told me that she really couldn't find paperwork from XXXX 0r XXXX but relied on a recorded phone calls from XXXX and XXXX.I told her can you provide me and CFPB with any evidence of those conversations as well as any paper work that says that capital one didn't agree taking off the negative/closed accounts ( trade line ) off all credit reports when I paid them off.She said she couldn't provide any details with me or CFPB.I told her I disagree with you on your findings.I told her if you/capital one denies my complaint you must give details of your findings.Therefore, I disagree with this lady/capital one handling complaint number XXXX-XXXX is lying.Originally she needed more time on complaint cause she couldn't produce any information or paper but did make up/lie on recorded conversations.She said im sorry, but she took the proper steps and unfortunately cant help me.She is lying

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received a call on XXXX from a Bank of America associate, he did not indicate he was calling on a recorded line or provide an ID # or someway to verify he was in fact from the bank. He immediately threatened that failure to answer his questions will lead to immediate closure of my accounts. I assumed it was a scam as he did not properly identify himself and he called from a personal cell phone. My accounts have now been closed by the bank. 

I used to work for the bank and I know for a fact that you must always disclose some appropriate identification when you call a customer because failure to do so is deemed a risk to the bank and customer. How is Bank of America able to get away with treating customers this way? Its just unfair. 

I understand the bank can close an account at anytime, i get that. But my problem with all the scams going on, there was no way to identify he was calling from the bank. I have received calls from the back before and they always identify themselves properly for security reasons. This person did not.

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 2022-12-14
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-02-19
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:
My name is XXXX 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 non-monetary relief
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
BoA sent me a credit card I didnt ask for telling me to activate it. Sent, according to the letter, on XX/XX/2023. Credit limit {$7500.00}. I ignored it. 

Now they are sending notices changing the terms of our agreement. Sent XX/XX/XXXX but the letter is backdated to XX/XX/2023. Apparently ignoring the card didnt stop them from signing me up. 

Im concerned about my XXXX with too many cards. Im equally concerned their attempts might set me up for fraud.

I want in on the settlement. Im fed up with how broken US businesses are.

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 2021-12-18
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:
I recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting XXXX, XXXX and Equifax I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase closed my checking account saying there was fraud on my account. I don't have anything that constitutes a fraud in my transations. They are unwilling to work with me to discuss the transactions they think is fraud and is holding my balance for over 3 weeks now that I need to purchase a home. Their branch managers won't help me to release my funds and they keep saying the same thing over and over again that my check will be mailed and in is process. I want to sue think bank for holding someone else 's funds for prolonged period of time and make them pay me interests for holding my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I tried using a Bank of America XXXX XXXX prepaid card I had received, but noticed that the card had expired. I logged on to the website listed on the card to see if I could have a replacement card sent to me, only to notice that the transaction history listed a {$80.00} " Expired Card Fee '' ( equal to the full balance of the card ). 

I called in to see if this was a mistake, and it was explained to me that once the card expired, all funds were forfeited to the bank. After escalating the call to a supervisor, I was advised that there was nothing they could do, no matter who I spoke to. I explained that I had never had this kind of experience before with previous cards, and that worse case scenario, I expected maybe to have to pay a replacement fee. Even if this was listed in their Terms & Conditions, this practice seems incredibly deceptive and potentially illegal.

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 2019-11-07
Company: Experian Information Solutions Inc.
State: MO
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 submitted a dispute with Experian twice with photos of evidence that a collection they recently placed on my credit report should not be on it. Legal documents from the court saying that the case was dismissed. And another legal document shows that the account is 12 years old and to old to be on my report.

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 2023-05-29
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act Account # : XXXX, Account name : XXXX XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2019-05-04
Company: ERC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a call from Enhanced Recover Company. The young lady stated they were collecting on an XXXX bill from XXXX in the amount of {$190.00}. She reference my mothers address and that is the address i no longer reside at. I advised i cant remember that far back and advised i don't recall ever having XXXX Service at All. She started asking me question about fraud and if anyone has opened any accounts in my names. I asked her to send me a debt validation letter which i received on XX/XX/XXXX. The only thing that was on the letter was the creditor name last 4 of account number that all. Their was no phone number no list of charges or any plan information that would identify the account was mines at. I don't recognize this account and indeed why would i get a call almost 7 years later about this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation