BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: IN
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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my 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 explanation
Consumer complaint received 2023-05-06
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:
XXXXXXXX XXXX has mistakenly placed me as an authorized user on a strangers account. They are reporting this information to Equifax. When I call XXXX XXXX they stated that they could not help me because I dont have information about the primary cardholder. When I contacted Equifax, they stated that I needed to contact XXXX. I cant get anywhere with XXXX because I do not know whose account they have mistakenly linked me to. I believe this happened in error because I was placed as an authorized user on my mothers account. My mothers name is XXXX XXXX. Somehow during this process I was placed on a complete strangers account as an authorized user. Please help me get unlinked from this strangers account as an authorized user and removed from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: M&T BANK CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a loan to purchase my truck from M & T Bank. I tried to go on line to set up automatic payments, but in order to schedule online payments I had to go into an actual branch and complete paperwork. On XX/XX/22 I went into my local M & T Branch located at XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX. I completed the paperwork, but because my XXXX payment was due on XX/XX/XXXX I was told I would still need to make that XXXX payment because the paperwork that I just completed would not go into effect until XXXX/XXXX/22. I went online and scheduled my XXXX first payment for XX/XX/22 for the full amount of {$680.00}. On XX/XX/22 there were XXXX transactions of {$680.00} charged to my account. Only XXXX were taken out from my bank account. I contacted the bank immediately when I noticed this. I spoke to the branch XXXX, XXXX, and she said that the money would be deposited back to my account within XXXX business days. It took them until XX/XX/XXXX to finally deposit the money. This put a financial hardship on me. I had to borrow money to make ends meet. When I contacted the corporate office and told them the situation, I spoke to a XXXX XXXX XXXX on XXXX/XXXX/22. He told me someone would call me within 1-2 days before the week is up. No one ever called me. I received a letter on XX/XX/22 apologizing for the inconvenience. An apology does not help with the struggle I endured to make ends meet.

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 2019-02-03
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Over the past 18 months I have been receiving security text messages from PayPal with a six digit security code. This was odd because I do not have a PayPal account. After reaching out to my bank this past XX/XX/XXXX, we identified several fraudulent charges to my credit card stemming from a PayPal transaction. After calling PayPal in XX/XX/XXXX, I was informed that an account had been opened using my personally identifiable information ( e.g., phone number, date of birth ). However, the account used an email address that I did not recognize. After being told that were cancelling the account and print a flag on any new account being opened using that information, I then began receiving more suspicious text messages from PayPal today ( XX/XX/XXXX ). 

I called up my bank and had them block any transactions originating with PayPal ( as I do not conduct business with PayPal ). I then called up PayPal to try and resolve, and at first they told me that an account exists with my information only to tell me the exact opposite five minutes later when I asked for security measures to be implemented for the account. After they refused to do anything about the, I reminded them that they are subject to federal regulation with regard to the protection of personally identifiable information. After not having any luck with then in this regard, and having patiently tried to handle this with them directly over the last 18 months, I've decided to submit a formal complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 Name : XXXX XXXX  XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-02-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through 5/3 Bank. I also have auto pay though THERE bill pay set up through 5/3. My mortgage get auto paid every month on time. Now I am recieving phone calls that I am behind on payments. I have gone to the bank numerous times but no one can tell me what is going on and I can not get an answer. I have proof of my auto withdrawls for every month for the past 2 years. All the bank employees can tell me is for some reason all your money is being held in an escrow account but no one can answer us as to why. Now 5/3 has dinged my credit for 2 missed payments. I have been trying to resolve this through 5/3 for over 6 months and still nothing. Every statement I have attached shows 5/3 bill payment so very confused how it can be late if its auto paid through there own bill payer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I'm complaining about XXXX accounts that was opened in my name that I didn't open up with TD bank I spoke with customer service and she told me that I have to come into their branch with my ID I told her I wasn't able to get to one of there branches due to transportation I am disabled so she told me she wasn't able to help me so I asked her how is it possible for someone to open up an account in my name without showing ID she told me she was able to open up XXXX online so that why I'm submitting this complaint to get this resolved the XXXX accounts numbers I'm referring to is acct # XXXX and acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-31
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:
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 XXXX and I 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
Consumer complaint received 2023-06-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX  : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: World Omni Financial Corp.
State: FL
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:
When i bought my new car from XXXX Toyota, we were asked if we wanted the extended warranty. At the time we were there i was not sure i wanted it. So the finance manager said we could put it on a credit card, so we could cancel it when we got home. so we called later they said i would have to come in and sign a paper that i wanted to cancel the service warranty. when i got to the dealer they told me i could not get my money back, they told me i would have to wait till the end off the loan. i don't think that is fare. 
XXXX Toyota Finance XXXX Toyota XXXXXXXX XXXX ID XXXX BOUGHT FROM TOYOTA CREDIT charge for service contract XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: NY
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:
The following inquiries i didnt authorize below : XXXXXXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX DATE : XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX DATE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am interested in processing disputes on my credit report with transunion to delete all inaccurate information that is reporting an hurting my file. please review an delete all items listed. this has been an reoccurring issue that needs to get resolved asap.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 kindly request that you update my credit report and remove the public record that is currently listed.

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 2022-07-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I was approved for a payday loan with Ace Cash express for {$1500.00}. The fee 's and interest for the loan were {$350.00}. On XX/XX/XXXX I received an email about refinancing for an additional 2 weeks. I called at XXXX am XXXX on XX/XX/XXXX and talked to one of their loan specialist about the refi option. I specifically asked multiple times on the call that if I do the refi will I receive an additional {$350.00} in fees and was told NO I will only have the {$350.00} take out on XX/XX/XXXX and the remaining {$1500.00} will be taken out on XX/XX/XXXX my next pay date. I was crystal clear to the rep that if I was going to be charged an additional fee then I would not do the refi and she specifically stated that I would not. I am requesting for a supervisor to please listen to the XX/XX/XXXX calls and please let me know what repercussions or options I have because I was clearly miss guided on this refinance. I would have never agreed to pay over {$700.00} in fees just to get a {$1500.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Neuheisel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am reaching out to you in regards to accounting issues with XXXX XXXX XXXX. The monthly balance on the account that this debt collector is trying to collect is inflated. I have tried to address this issue repeatedly but to no avail. My account used to be with Neuheisel Law Offices. Upon transfer to XXXX XXXX XXXX an outstanding balance was in the amount of {$4600.00}. My monthly payments are in the amount of {$100.00}. Account transfer has occurred in the month of XX/XX/2018. Till present day I did not miss a single payment on the account ( have copies of all receipts with the postal service and money order slips ). However, XXXX XXXX XXXX is trying to overcharge me additional {$270.00}. According to my repayment agreement, I am not supposed to have any additional fess. Initial balance was in the amount of {$5500.00}, downpayment {$500.00} and monthly payments of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reached out to credit bureau about these accounts and they have not taken any action. They have responded that they needed proof of identity on XX/XX/XXXX, which was provided and attached to this complaint. While reviewing a copy of my credit report XXXX I discovered some inaccuracies in my personal information. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable and unvalidated and inaccurate. I mailed numerous letters and copy of FTC report XX/XX/XXXX and did not get a response or negative accounts 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 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I closed my aspire credit card back in XX/XX/! The account has been reporting OPEN for the last 4 months on my EXPERIAN credit report and is continuing to damaged my credit! The card is closed. I dont have it in my possession and its not able to be used! I have contacted both aspire customer service and Experian 10 times in the last 4 months and I keep getting pushed off and empty promises that they have sent the information that it is closed to Experian. Yet, when I dispute with Experian and upload the documents showing its closed Experian is saying that aspire says its open. So I am constantly being run around in circles! Nobody wants to help me! There is no issues with any of the other credit bureaus its just Experian. This account needs to be reported closed on Experian immediately!

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 2022-12-31
Company: EQUIFAX, INC.
State: PA
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX sold a {$300.00} ALLEGED cable bill debt I owe to a collection agency in Massachusetts  ( Im in Pennsylvania  ). I never paid because its NOT my debt. The collection agency filed it as an unpaid collection account and my credit scores have decreased by over 40 points from the 3 reporting agencies. ITS AN ABSOLUTE DISGRACE!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: LA
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'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 I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filig this complaint. The stuff on my credit report is wrong.

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