BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: Exeter Finance Corp.
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX my vehicle was voluntarily surrendered ( XXXX XXXX XXXX ). Paid {$19000.00} and pay-off was {$20000.00}. The cost to repair is {$7000.00}. Tried to communicate via electronically and phone to try and resolve, but they would not listen. I am citing XXXX for being on their side after showing them all evidence. I just wanted XXXX to report a remark to " Volunteered Surrender on the credit report. XXXX states that they are only following procedure and report exactly what Exeter Finance dictates to them. 
I wish for XXXX and Exeter Finance of Texas to remove all information from my credit bureau file, but I know they will not listen to me. MAYBE THEY WILL LISTEN TO CFPB. 
You can reach me at XXXX or cell phone XXXX PS Exeter Finance does not know where the vehicle is and I have told them. 
PS 2 : Would like Exeter Finance to surrender title in order for me to fix {$7000.00} repair. 
PS 3 : VIN : XXXXXXXX XXXX  XXXX XXXX XXXX PS 4 : ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Since XX/XX/2021 I have been disputing a chapter XXXX and a chapter XXXX Bankruptcy that has been appearing on my TransUnion credit report but received a response that it was verified through the courts. I again disputed the public record entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified and added that they purchased my information from a XXXX XXXX reporting agency called XXXX. I proceeded to write a letter to the Bankruptcy court and they responded by writing that they do not report to any credit agency nor do they verify information to any credit agency, I then disputed the information with XXXX and they in turn deleted the public record from their report. 
I have furnished the letter from the Bankruptcy court and the file from XXXX report but TransUnion still refuses to delete these public record entries from my TransUnion credit 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 non-monetary relief
Consumer complaint received 2019-05-07
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account was settled in full upon termination of the service. The term they are saying they signed me up for is false and inaccurate. I paid my full term of my contract and once it was completed I terminated the service and went with a different service. They continue to say they signed me up for a longer period of time but only AFTER I tried to disconnect the service. My account was fully satisfied and now they are hurting my credit for no reason. I need this removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$6400.00}

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 2022-06-11
Company: Experian Information Solutions Inc.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete as soon as possible.

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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of Identity Theft and did not make the changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete as soon as possible.

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 2023-05-29
Company: EQUIFAX, INC.
State: SC
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, 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 reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
I have a citi AAdvantage credit card managed through Citibank XXXX. I called Citi on XX/XX/2021 to report fraudulent charges that I did not make to XXXX XXXX. I explained I had not purchase anything from XXXX and they said they would issue me a new card and investigate the charges. I called back Citi XX/XX/2021 when I did not immediately get my card in the mail and my online account continued to show additional charges to XXXX after my original call on XX/XX/2021. Citi assured me card was mailed recently and not to worry about the charges, payments and fees they will be cleared with the finish of the investigation. Called in early XXXX as account balance was still showing XXXX charges, the only thing charged to the card and flagged by me as fraudulent. A letter dated XX/XX/2021 arrived XX/XX/2021 from Citi XXXX XXXX, stated there was no fraud and I am responsible for {$1400.00}. The letter includes a reminder that they will report my account past due to consumer reporting agencies. In the letter, they purported that their investigation showed I provided the merchant my account information. I called Citi fraud services, XX/XX/2021 for resolution, asked for a XXXX but they could not provide me with answer as to why charges continued and the investigation had no supporting evidence or reason. I wanted resolution but only received an assurance the they will continue to investigate and " may '' call me 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 monetary relief
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: SC
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:
XX/XX/2021, {$100.00}, XXXX XXXX NC XXXX is reporting to Equifax inaccurate. Consumer law 15 U.S code 1692f Unfair practicies A debt collector MAY NOT use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a VIOLATION of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. A CHARGE OFF ACCOUNT SHOULD REPORT A BALANCE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Comerica
State: MO
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My acct with Direct Express was frozen on XX/XX/XXXX due to fraud, my address, phone # was changed, somebody ordered a new card, I didn't find out till I went to the ATM to make a XXXX  then I started calling to see why my card didn't work, I called everyday & all day, some nights all night, it took me 11 days & hours of waiting for an agent to tell me what happened, I spent 2more days on the phone with 8 or 9 different ppl, not one of these told me that I needed a case # before they would even look at it, I finally asked for a supv. name is XXXX, he is the one that gave me case XXXX XXXXXXXX so I followed XXXX & I was told that when my ID was approved they would send me an email within 6 hrs, waited all day & next, I never got an email telling me anything, also I was told they fees would be waved on my new card, I was charged next-day shipping twice @ {$17.00} it took 5 days to get to me, I called & they can't explain why the difference in my XXXXXXXX XXXX XXXX, i still don't have my money & I'm on fixed income, it's cost me overdrafts because of auto payments from my acct, I should not have to pay for my ID stolen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I just read the company`s response. First of all they have the incorrect sales date. They have it on their response that the vehicle was purchased on XX/XX/XXXX, it was XX/XX/2022. Secondly, they state that they paid the dealership {$28000.00}, the correct amount was {$27000.00}. 

Also, Wells Fargo Auto Finance should have known better than to pay out for a loan of that magnitude without checking the XXXX XXXX XXXX XXXX. They also state that they were not resent, they didn`t need to be present. They should have checked the value, and asked for photos of the vehicle seeing that it was used and had over XXXX miles on it. They didn`t do anything correctly. 

Another thing they should have asked for was proof of income in written format, they did not, and it is required that they see three months on Bank Statements. Wells Fargo Auto Finance made a huge amount of errors, so they will have to refund every payment I've made and take the vehicle back. I only receive {$870.00} in SSDI payments, I have the award letter attached to this.

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to complain about the 7 text messages and 11 phone calls I have received this morning within the last 30 minutes regarding refinancing my mortgage. When I asked why am I getting these calls ; the response was your credit report was pulled yesterday and your information was sold to us so we can contact you regarding refinancing your mortgage. 

My credit was pulled yesterday to obtain auto financing at the Bank I work at. I cant understand why the credit bureau the Bank is contracted with can then sell my information to another company in order to try and get me to finance with them instead. GLBA privacy regulations indicate we cant tell anyone we gave someone a loan, why can the credit bureau? This is an unsolicited intrusion into my private information.

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 2021-12-20
Company: First National Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First National Collection Bureau Inc. 

XX/XX/XXXX- Constant calls related to debt. We advised we do not have, nor had this credit card. To stop calling. as of XX/XX/XXXX we continue to receive calls related to this debt. We now receive written debt collection of said debt. I have sent a certified letter on XX/XX/XXXX to cease communication on this unsubstantiated debt we do not own. 

In addition, this debt is over 10 years old. well beyond statue of limitations in XXXX. 
We will also be contacting the three credit bureaus to identify this debt as fraudulent and the attempt to collect to be the same. 

We ask for your help to eliminate this deception to collect a debt by First National Collection Bureau Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Dyck-O'Neal, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dyck O'neal currently has numerous complaints with the XXXX  for reporting inaccurate information to consumer reports. In XX/XX/XXXX Dyck O'neal added a {$18000.00} collection debt to my XXXX  and XXXX credit report for a debt that was paid off in XX/XX/XXXX, per my credit report ( see attached ). 

In an attempt to circumvent the system Dyck Oneal reported negative outdated information from XXXX as NEW information in XXXX, which is a direct violation of the Consumer Fair Reporting Act. Negative information that is more than 10 years old can not be reported on credit reports. 

This inaccurate information has been disputed with the Dyck O'neal and both credit reporting agencies but has not been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX Venmo froze my account XX/XX/16 they terminated my account Said I violated terms and that my balance ( {$22000.00} ) will be held up to 180 days. Would like a timeline of when they will release my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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: Credit inquiries on your report that you don't recognize

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: PNC Bank N.A.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We had a car loan through BBVA Compass bank that was paid off in XXXX. The lien release was not received by either our state XXXX or ourselves and therefore the vehicle title still has Compass Bank as the lien holder. 
Recently the vehicle was totaled in an accident and the insurance company only released a portion of the funds until they had information that the lien has been paid off. When contacting PNC several times, they say there is no record of us ever having a loan. 
They have also refused to give a loan release letter or statement that we do not have a loan through them when requested by our insurance company or ourselves, and they continue to reroute us back to our state or their title websiteXX/XX/XXXXwhich also has no record of the vehicle. During one call they gave us a number that is " fax only '' to contact that " could '' help, but we have had no response to that request either. 
Both we and our insurance contact have spoken with them numerous times, we have also connected twice with our XX/XX/XXXXafter being told it was under their jurisdiction, but the funds are still being withheld, and our state XXXX directed us here. 
We have been trying to resolve this since early XXXX XXXX. The Accident happened XX/XX/XXXX and the amount that has not been released is roughly {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Maximus Education, LLC dba Aidvantage
State: NJ
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:
This account contains a finance charge, which is the sum of all charges. Therefore, this account was paid in full upon the bank obtaining my credit card ( social security card ). This account should never be delinquent for any reason whatsoever, due to it being opened under an open ended credit plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this some mistake as I assumed it has to be i have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as PayPal quiet frequently. my email address linked XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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