BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I, XXXX XXXX, submit this claim directly for myself, and there is no third party involved. This is a response to past claims submitted to the CFPB under the following case numbers : XXXX and also XXXX. I have submitted a complaint through the Better Business Bureau in regards to this matter ; the complaint number to reference to is XXXX. I also have a report through the FTC as well for identity theft. Fact, the defendant " Wells Fargo '' has failed to respond to a valid debt validation within the proper timeframe given from Congress [ 15 USC 1692g ( b ) ]. Fact, " Wells Fargo '' was given 30 days to reply from XX/XX/2021, when they received the debt validation letter and a cease and desist ; proof can be found in the attachments " Exhibit [ 13-16 ] '' and " Exhibit [ 17-18 ] ''. Fact, I, XXXX XXXX, have proof in " Exhibit [ XXXX ] '' and " Exhibit [ 10-12 ] '' that " Wells Fargo '' in bad faith continued the collection process without proper verification or judgement of the debt, violated the Gramm-Leach-Bliley, violated the cease and desist [ 15 USC 1692c ( b ) ], and has committed aggravated identity theft of my personal information. Fact, I have provided evidence and a competent witnesses in both of my affidavits sent to " Wells Fargo ''. Fact, " Wells Fargo '' has supplied no facts, witnesses, or evidence to justify what they did. Fact, " Wells Fargo '' is civilly liable for the damages bought unto I the consumer [ 15 USC 1692k ]. Fact, if " Wells Fargo '' does not reply to my affidavit of truth with a counter affidavit, then my affidavit will stand as truth and everything in it, and I will pursue litigation in court with proper jurisdiction, federal court in a class action suit. Fact, I have given " Wells Fargo '' an opportunity to cure sent with both of my affidavits.

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 2020-12-14
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My name is Mr XXXX I am contacting you regarding ALLY AUTO FINANCIAL regarding my account, i have tried and tried to contact Ally regarding my account and all i have been getting is the run around with no answers, i speak with one person and that person would transfer me to a different department and so on so on, they have been and gotten to be Unprofessional, a month ago my car was up for repo, i gave them the location to where the car is, it is in a mechanic shop, its been there several months, i told them there is money owed for repairs, and they then hired a recovery company to go repo the car, when the recovery company gets there instead of paying the cost to get the car out of their, they was trying to negociate a lesser amount that was owed so that they can pocket the rest, so instead of telling Ally what happened, they tells them the car wasnt there, for 4 yrs i have complained about this car and said it was a lemon, had too many problems, there were things about the car that was not disclosed when purchasing it, i explained that for years to Ally, and told them the car not worth anything, but they wouldnt listen, Covid19 has arrived my wife and I lose our jobs we no longer can pay for the car, at this point my wife and I was stuck wit it, then the Pandemic the car is up for repo, we agreed to have the car repo i gave them the location to where the car is located, 4 weeks ago, it was in the system to repo the car weeks ago, the car was never picked up which was strange to me, because for weeks i been harassed bout the car, and when i cooperate they dont pick up the car and now i get a letter saying the account will be charged off today, they cant charge the account off if i agreed to have it repo and was in the system to go repo it when i told them to go repo it, you cant charge off an account when i'm giving you back the asset, this is wrong under the circumstances with Covid 19 happening, Covid 19 has changed my wife and I lively hood in a major way, we both lost our jobs and they wan na continue to hurt people during a pandemic, which is flat out wrong, this account cant and should not be charged off by any means, they have the location of the car, and it needs to be repo as originally planned and discussed,, they want to abandon the car because its not worth anything, the reason its not worth anything, because of all the recalls and issues the car had now throughout the years, what they are trying to do is unacceptable I want this matter resolved XXXX XXXX XXXX ) XXXX - XXXX XXXX ) XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Paypal Holdings, Inc
State: TN
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 Support, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I strongly believe that this limitation was imposed by mistake and I would like to submit a formal complaint to appeal this decision. 

Firstly, I want to emphasize that I have not violated any of PayPal 's policies. I have always been a conscientious user and have consistently adhered to your terms and conditions. Therefore, I am perplexed as to why my account was subjected to such a severe measure. 

I kindly request that PayPal re-investigate my case thoroughly and consider lifting the permanent limitation on my account. I am confident that upon reviewing the details of my account activity, you will find no evidence of any policy violations. 

For your reference, the email address associated with my PayPal account is XXXX. I would appreciate it if you could communicate any updates or further instructions regarding this matter to that email address. 

In conclusion, I kindly implore PayPal to re-evaluate my case and restore my account if possible. I have always valued the services provided by PayPal and I sincerely hope that this issue can be resolved amicably. 

Thank you for your attention to this matter. I eagerly await your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
TRANSUNION - you have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

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 2023-04-29
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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:
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 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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2021-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Today XX/XX/2021. I called the number listed in the online account information for two reasons. A {$7.00} late charge issued in XX/XX/2021. And a {$39.00} membership fee charged in XX/XX/2021. In both of these cases I received no resolution. In the case of the XXXX fee, i was told the date of the late fee prevents Capital One from reversal. I have several credit cards and have never been refused the Customer Service of a Late Fee reversal. That is because I pay my bills on time, and it is a customer service, understanding that things happen, and sometimes you may miss a deadline. So I do not understand the service failure in this instance. Especially considering we are still in a pandemic. The Membership Fee has been an issue since I received approval of this account. From the beginning there was a misunderstanding on this account, I applied for two cards with Capital One. Neither was supposed to have a Membership Fee, and every year since, I have had to call in to have this fee reversed. This is the first year in the history of this credit card that my request ( the misunderstanding ) has not been accommodated. What is different from this year compared to all the other years? I am asking Capital One to look into the history of my account, and confirm that it has been accommodated, and then explain why in the middle of a Pandemic this request has been denied. Once that research has been completed please reverse both the late fee and the Annual Membership Fee I changed my profile to pay using the Auto-payment system. But this is why consumers don't trust auto-pay and paperless billing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-23
Company: Home Loan Center, Inc.
State: WA
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 am reporting deceptive business practices in regards to viewing mortgage loan rates/offers on Lending Tree. 

On XX/XX/2020 I used Lending Tree to check current mortgage loan rates. Their website clearly stated " Don't worry, this loan request will not affect your credit score. '' immediately below their " View my offers '' button. ( See attached screenshot. ) On XX/XX/2020 a hard pull was made on my credit and my credit score went down by 6 points. I contacted Lending Tree via their website. Their reply was a wall of legal jargon. According to them, their fine print contradicts what is clearly stated just below the button that is used to submit your request on their website. 

It is extremely deceptive to clearly state " Don't worry, this loan request will not affect your credit score. '' and then have no intention of making this the case and apparently have other contradictory language buried in fine print and legal mumbo jumbo. 

Their intention is to obfuscate what they are actually doing in regards to whether the credit pull is a hard pull or a soft pull. Without the statement " Don't worry, this loan request will not affect your credit score. '' I would not have clicked the button above it to initiate use of this service to check on current mortgage rates. I did not want to have a hard pull on my credit, which always has an affect on your credit score and stays on your credit report for 2 years. Very deceptive company practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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 fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
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: Account information incorrect

Complaint:
On XX/XX/2022, I noticed errors on my credit report regarding two accounts XXXX XXXX and XXXX XXXX XXXX. These two accounts were settled at a negotiated amount agreed by the creditors. Payments were submitted as per their schedule and I have proof of payments made to both creditors. Unfortunately I was not happy with the balance still showing on these two accounts so I submitted the dispute to all 3 credit bureaus. Results came back and " account information was verified '' without making the balance corrections. 
Not pleased on XX/XX/XXXX and XX/XX/XXXX of XXXX I re submitted disputes and results came back with the same " account information was verified '' Please help me correct this errors, there should be no balance reflected on this accounts since they were paid/settled. There are no remarks that the accounts were settled for less than the full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information on 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 2019-07-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In late XXXX, I mailed a letter to Equifax, requesting that they investigate errors on my credit report. They were supposed to respond with the results within 30 days via postal mail, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: Specialized Loan Servicing Holdings LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My home loan with account number XXXX shows it was late for XX/XX/2019 however the account was paid in full on XXXX XXXX, 2019. And closed .How is it possible for the account to be late in XXXX if it was closed on XX/XX/XXXX. 2019?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
SUGGESTION OF AUTOMATIC STAY By virtue of a Petition for Relief filed in the U.S. District Court for the XXXX XXXX of Florida, the commencement or continuation of Judicial proceedings against me has been automatically stayed.

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 2021-11-24
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: Account information incorrect

Complaint:
On XX/XX/2021 a hard inquiry was posted to my Equifax credit report from XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I have contacted both merchants with whom I have accounts with issued by XXXX and they have confirmed this was not initiated by them. I have contacted Equifax who will not investigate it or provide any other details about the inquiry. They require a police report or a completed complaint form from the FTC. I originally went to the FTC  website https : //www.identitytheft.gov/ but was redirected here. 

I am at a loss to understand why XXXX would do a hard inquiry when both accounts have been open for years. Please contact me so I can get his resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.

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 2023-04-29
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: Account information incorrect

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.This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from 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 2018-08-22
Company: EQUIFAX, INC.
State: PR
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:
Reference : Complaint # XXXX Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response XXXX gave payment extensions to all clients who needed such relief, after XXXX XXXX hit the island last XX/XX/XXXX. The extensions were for the payments due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XX/XX/XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XX/XX/XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, since he had made the XX/XX/XXXX installment payment before the hurricane hit, we have proceeded to extend his XX/XX/XXXX installment ; thus making his account current and his credit history XXXX.

Company response to consumer: Closed with explanation