BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: FORD MOTOR CREDIT CO.
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:
Finance XXXX illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX  ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX Bank at a higher rate than the one with our financial institution, and falsely tried excusing himself using a XXXX XXXX of XXXX for me, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX, and the ability to get the best rate offered by our financial institution of 4.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 4.33 %. The fraudulent practices by this individual are performed after a XXXX hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his XXXX  and XXXX  XXXX. The fraudulent actions damaged my wife 's and my daughter 's XXXX XXXX with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the XXXX persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : XXXX ) trade-in value ; XXXX ) being forced by the dealer to buy unwanted additional items not yet installed ; and XXXX ) The fraudulent actions from XXXX XXXX XXXX XXXX XXXX a referral fee from XXXX XXXX  XXXX Regardless of that the fraudulent Finance XXXX pulled the credit with XXXX unauthorized institutions instead of pulling with the only XXXX instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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: Was not notified of investigation status or results

Complaint:
Please see the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2020-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
" Portfolio Recovery " has been calling me everyday sometimes multiple times a day about collecting on a 4-5 year old debt. ( and maybe others XXXX. I'm awaiting important phonecalls so i have to pick up every call i get. And it's always someone from " Portfolio Recovery ". Sometimes they won't even say who they are and tell me they can't give me that information unless i tell them who i am ... Last time i spoke to someone i told them are you seriously harassing me during a pandemic? To which they replied " we are not harassing you ''. If calling multiple times a day from different random numbers is not harassment then what is?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
While applying for the PA CARES ACT, i am a small busniess wirh all my accounts at PNC, im being told i cant link my account to receive funding!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 account listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXXXXXX XXXX proved that the account was used to service a XXXX XXXX XXXX  a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or XXXX, Transunion, or XXXX accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be 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 non-monetary relief
Consumer complaint received 2020-07-30
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: Problem with personal statement of dispute

Complaint:
There seems to be inaccurate, unverified accounts on my credit report. I simply requested some proof of verification of these accounts. Not only did I not receive any proof, I was told that I did not submit enough information about my dispute. I was told that I did not state my reason. In my letters, I am specifically stating the reasons why and simply requested to obtain the documentation that the bureaus should have on file. I know that the accounts are inaccurate and unverified. I also did not receive a timely response within 30 days. I never received the documentation that I initially requested. This is also the second letter that I have sent out and it has been 30 days without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Halsted Financial Services, LLC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX sent an email to my daughter today about the bill I owe them and information about my. My daughter does not have the same email nor does she live with me her email is XXXX mine is totally different. When I received a call from her today asking me if I owed XXXX XXXX I felt violated and do not believe they had a right to do so. She did email them back and let them know it was not okay to be contacting her with my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: DC
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:
Last year when the pandemic start I was going through some financial issues job related but I still kept my payments up to date. Months later I received a notice from the credit bureau saying that I was 30 days late on my credit card payment which I found impossible at the time. I tried to contact XXXX XXXX  without any success and still this 30-day late notice is a huge negative placement on my record.

Although the reporting is current and positive at this time, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have never given any credit bureau or consumer reporting agency my written permission to report to them. I sent out letters back in XXXX to XXXX XXXX, and Experian requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.

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 2023-01-01
Company: Experian Information Solutions 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:
Experian deducted XXXX points of my fico score cause my utility bill went up {$2.00}?. Its a shame Experian have so much illegal XXXX XXXX  to abuse fico scores.

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 2022-07-08
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: NV
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:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

I have also sent letters to all 3 credit bureaus XXXX, Equifax, and XXXX  over 30 days ago and have not received a reply or response. I will attach the letters that I have sent and singed with my signature. They have violated multiple laws of the United States 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

15 U.S. Code 1692g - Validation of debts They were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I do not validate this debt.

Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

THEY HAVE VIOLATED MULTIPLE RIGHTS AND LAWS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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:
My PayPal account can not be linked to the bank and withdraw cash. I have called the customer service representative many times, but the problem has not been resolved! please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
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:
Clarity Services, you are hereby given notice : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX you were notified that I was requesting certain sources of information found upon my consumer report and within my consumer file. I was contacted by phone after the XXXX complaint to the CFPB and informed that my request must be mailed to your XXXX XXXX XXXX. I mailed that written request by USPS Priority Mail, with tracking, and can verify receipt. Despite complying with your instructions and multiple complaints to the CFPB, you have still not provided the information. Neither have you even come close to addressing the complaints made to the CFPB. Your violations of the FCRA have escalated from negligent to willful since you have been provided notice of this issue multiple times. Further, every response that you have provided to my CFPB complaint has directed me to contact Experian. This complaint does not involve Experian. You are a subsidiary of Experian. The FCRA does not allow Experian to respond to a complaint against Clarity Services unless certain criteria are met, and those criteria do not exist here. Clarity Services published inaccurate information on my consumer report. I requested the identity of the sources of certain identified information from Clarity, not Experian. The Custodian of Records is designated as such for Clarity, not Experian.

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 2020-08-11
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in the mortgage process. The agent informed me that they were doing a 10 percent down program and all I needed to do was pay a XXXX dollar fee in which I paid. 2 months later when it got very close to closing he informed me that he apologizes and that the program Is not longer available and that he missed the memo that was explained that to him and that he would refund me my fee. He is now refusing and refusing the answer my calls and emails.

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 2021-06-11
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I filed for Chapter XXXX bankruptcy in XX/XX/2011. When I filed XXXX XXXX was the loan servicer/administrator. Equifax and XXXX  credit bureaus are still reporting those accts, 13 years later, as CLOSED with XXXX, instead of XXXX XXXX, as the servicer. Moreover, both are also reporting the SAME 4 accts as OPEN accounts. I did some research to try and find out how long can bankruptcies remain on your credit report ; everything I found stated Chapter XXXX bankruptcy remains on your credit report for 7 years. Both bureaus have the same information listed on their websites, and it is also listed on FICO.com. However, neither has removed the accounts. This seems to be double reporting to me, reporting the same account opened and closed. I have had financial management issues in the past that I am not proud of, but I am trying to re-establish my credit. The time-barred regulation seems to apply to this situation, but I do not know if it applies to Federal Student Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: AL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : 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 2023-02-24
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( AMEX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On XX/XX/2022, I changed the autopay amount on my American Express to the total amount due - as opposed to the total statement balance and received confirmation from Amex that my change had been confirmed. 
On XX/XX/XXXX, however, I noticed that Amex had deducted from my bank both the changed autopay amount as well as the original statement balance. 
When I called Amex customer service to ask for an explanation, I was not able to get one that made any sense as the person at their outsourced phone bank in XXXX - after putting me on hold numerous times, could not provide any rational explanation. In the wake of this, I wrote a letter of complaint to American Express and have yet to received a reply. I took the precaution of cancelling autopay in order to avoid any further such surprises. 
On XX/XX/XXXX I scheduled to payment for the full balance due on my Amex in preparation to closing my account. When checking my bank account online XX/XX/XXXX, I saw that my full balance has indeed been paid and I had a XXXX balance. But I also saw a credit from Amex for {$430.00} ( which was the autopay amount I scheduled on XX/XX/XXXX ). When looking at my Amex account online on XX/XX/XXXX, I saw that they were now billing me an adjustment of the exact same amount. 
I called Amex customer service on XX/XX/XXXX to ask them to explain this boomerang credit/adjustment for the same amount and, after an hour on the phone being put on hold numerous times, was unable to get XXXX. I then asked that American Express explain this fiasco in writing and was told that she would note this but could not tell me when I might receive an explanation. 
I could, of course, pay the {$430.00} that Amex credited to my bank to return the " adjustment '' that appears on my statement, but am concerned about what further surprises American Express might have in store for me. I have stopped using my card and switched all recurring payments to other credit cards, so I should have a XXXX balance.

Company response to consumer: Closed with explanation