BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
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:
In fact, the law provides me with protection as a consumer to prevent inaccurate information from being simply reported on my credit report. Before I speak with my own legal counsel, I would like to have one last request for analysis so that I can learn how to manage inaccurate and unverifiable materials that are now being accepted as real. These accounts must be verified by the three credit bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting accounts as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following accounts as needing investigation and correction due to inaccurate reporting : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$880.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I, XXXX XXXX XXXX, have never missed a payment in my life. 
I got a loan from Pentagon Federal Credit Union ( pefed ) back in XX/XX/XXXX. I paid on this loan up until XXXX of XXXX. 
Never missed a payment. 
I made 2 payments in XXXX of XXXX, by and through my savings account with an ACH where the penfed employee used the WRONG account. I record all phone calls, just in case. Now, the ACH made on XXXX, and payments on 5 loans were made on separate loans. That transfer was not honored as the account was closed from fraud, on XXXX. I gave the employee the new account number and thought he used the correct account. It was not. So when i was informed this transfer was not made, i attempted to perform another transfer in XXXX. The supervisor i made this transfer with, called my bank to verify the account was open and contained sufficient funds. After being confirmed that all was good, i was told the funds would be available the next day. I agreed to make the transfer, but the next day the collections area renigged on the agreement. I called 5 days in a row to get the funds cleared. Penfed collections refused to honor the new agreement. I gave penfed a choice of calling my bank, with me at the branch, to clear these funds or i would block the transaction. It was 6 days after the transfer, and i needed to use the difference of the funds for other bills. Penfed said i had to wait 4 more days for them to clear the funds. I said i would cancel the transaction then. This was middle of XXXX now. 
I had to go into the XXXX  on the XXXX of XXXX until the end of XXXX to get XXXX  XXXX removed from my back. 2 rounds of XXXX also. 
While i was in the XXXX, i received NO NOTICE of any kind from penfed. On XXXX, penfed pulled the payments out of the loans, 2 months after the XXXX from XXXX came back in the savings account, not the loans where the payments were made. This is wrong and against the law. Payments in loans, no notice before they charged back plus 2 months after the fact, harmed me irreparably. When penfed acted illegally, my loan status went from current to 3 months past due. Then penfed threatened repossession less than 2 weeks after taking away my payments. Penfed also refused to communicate with me to resolve the harm they created. This is illegal how they created this situation. Penfed has also refused payments. 
This needs to be corrected. 
I am XXXX they harmed me worse than the XXXX i had removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: WA
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 settled this account and the company I settled it through said they would allow me to dispute it off of my report after settling, but when I tried to dispuyebit experience instantly responded amd said the investigation was complete and I am seeing no updates, please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
my credit profile that is on this consumer credit report still contains misrepresentations, after numerous attempts at asking them cordially to correct my consumer credit report information. 
I also ask that all inquiries be deleted from my credit report as it is proof of a consumer privacy violation, be removed from my report. 
there is an collections account that just made its way on to my consumer credit ( my reputation ) and it is damaging my livilihood. I have been denied credit already because of the fraudulent negative information on my Equifax consumer credit report. 
Equifax has also infringed on my right to consumer privacy by publishing information that it has sourced from other sources and graded me on the things they have found. 

the collection account on my Equifax report goes by the name of XXXX XXXX XXXX, apparently there is a open balance of XXXX, which is another violation of my consumer privacy. pursuant to the United States Code.

I have sent 4 letters to Equifax this is the final letter that I am sending. Should the corporation not understand that is has willingingly and knowingly violated my rights and compensate me accordingly I will have to make the attorney general aware of their fraudulent practices and help them pursue criminal liability pursuant to 15 USC 1611.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
ON XX/XX/2022, I used bill pay at BMO Harris Bank and scheduled a payment to be sent.The payee did not accept on line payments so a check was mailed by the bank and the bank debited my account 3 days later. 6 weeks later I found that the payee never received the check, but my account had been debited by the amount. 
XXXX XXXX, I have asked the bank why the account was debited when the check had not been submitted. ( There was no information on the website explaining this practice. ) Response from the bank was that is the way digital pay is done. 
I asked the bank when the bank reverses the debit to my account. They do not ever reverse the debit unless I file paperwork to show the check was not cashed and request that the amount be added back to my account. I also asked if I closed my account without knowing the check had not been cashed, would there be an audit to identify that transaction and credit my account. Answer : no. I asked who would get that money in that case. No answer. 
I think this happened once before, but I can not check it since the bank does not keep records older than 7 years. 
To insure that this does not happen again, I will not use digital bill pay for payees not accepting on line payments. 
I think this practice should be reviewed and hopefully be changed in some way. I do not believe that the bank should debit my account when a check has not been cashed.

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 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXX CO XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Paypal Holdings, Inc
State: TX
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, I am writing to express my disappointment and frustration regarding the permanent limitation of my account ( Ref ID - XXXX ). I have provided all of the valid documentation requested by your verification system and completed all of the required steps. 

I understand that your company has certain policies in place to protect against fraudulent activity, but I can assure you that I have not engaged in any such activity. I have used my account responsibly and in compliance with all terms of service. 

The permanent limitation of my account without a solid reason is unacceptable and extremely disappointing. Furthermore, as per the US law, The Electronic Fund Transfer Act ( EFTA ) and Regulation E, you are obligated to provide a written explanation of the reason for the limitation and the steps the consumer can take to have the limitation removed.

I request that you conduct a thorough review of my account and lift the permanent limitation as soon as possible. I also request a written explanation for the limitation and the steps I can take to have it removed.

I look forward to your prompt attention to this matter and hope for a positive resolution.

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: PA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2014, XXXX CO XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 U.S.C 1681 XXXXXX/XX/202 15 U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency makes any consumer report containing any of the following items of information any other adverse item 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 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 2022-08-24
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I initiated an online transfer on the Ally Bank mobile app. This transfer moved $ XXXX from my XXXX XXXX savings account to my Ally Bank savings account. Both accounts are titled in the name of our XXXX XXXX, and my wife and I are both Trustees and authorized signers on both as well. The funds were available funds at XXXX XXXX and correctly arrived at Ally Bank on XX/XX/2022. Per Ally Bank 's tracker, they should have been in my account by XX/XX/2022 at latest. However, it is now XX/XX/2022 and the funds are not even in my current balance. Furthermore, Ally has deleted any record of the funds in the transaction history. The funds are clearly shown leaving my XXXX XXXX account and have not returned. I can definitely get tracking information from XXXX XXXX if Ally tries to lie about this situation and say the funds never arrived. 

When I have talked to customer service reps ( and Ally 's customer service is horrible; and it takes over 2 hours for someone to talk with a caller ), they have said that the funds were transferred to their Loss Prevention Department. However, there shouldn't have been any such issue because the funds were available and I am an authorized signer on both accounts. I even sent Ally a copy of the XXXX XXXX statement to show that funds were available and the titling of both accounts is the same. I have had at least 4 conversations with Ally reps and have waited on hold for over 6 combined hours. How crazy is that?? 

In 30+ years of working with various banks, I have never had such a ridiculous experience. I want my money ( which I'm sure you can understand )! Given the delays, I feel it's time to get the CFPB involved. I am a U.S. Citizen, have never been charged or convicted of a crime, have a high credit score, and have always properly conducted my banking business. There is absolutely no reason to be treating me in this manner. Thank you for your help and advocacy.

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 2022-06-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent out letters on XX/XX/2022. 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.

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. 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. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. 

XXXX Account, has violated my rights. 
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 2022-08-02
Company: CCS Financial Services, Inc.
State: OR
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:
I have contacted the company numerous times and they can not provide any information on the validity of the debt. I was a customer of XXXX, but paid them off upon changing insurance providers. Several months later, the following appeared on my credit report showing a XXXX balance. I have contacted both the collection agency and XXXX with no response. I have submitted disputes with XXXX and the information comes back verified. 

The debt was paid before going to collections, the collections account was put on credit report starting with a XXXX balance, there has been XXXX validation from the agency nor any communication from them. 

-- {$0.00} Reported balance Original balance {$130.00} Opened XX/XX/2019 ( 3 yrs, 0 mos ) Original creditor name XXXX XXXX  CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a lease on XXXX XXXX XXXX My vehicle was damaged in an accident and has been at XXXX  XXXX in XXXX XXXX NJ since XX/XX/XXXX. I have been paying my lease every month yet I have no use of my vehicle. Honda will not give me a return date for my vehicle after 11 weeks. I have contacted Honda HQ and they have created a case number. The representative refuses to allow me to speak to a case manager or any executive at HQ. I have no vehicle and I am still paying for my lease!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: CA
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:
This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by 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 explanation
Consumer complaint received 2022-08-02
Company: AVANTE
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea how, but I have {$960.00} worth of debt from XXXX XXXX XXXX. I havent been to XXXX XXXX XXXX since I was born. I live an hour+ from there so I have no idea how I have a debt from this place.

Company response to consumer: Closed with explanation