BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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

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 2021-07-03
Company: EQUIFAX, INC.
State: KY
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 have specific account inaccuracies that need to be corrected. Equifax will not provide any proof of how they validated this inaccurate information. 

XXXX - XX/XX/XXXX : Requested & received Equifax credit report. 
XXXX - XX/XX/XXXX : Mailed ( certified ) dispute letter with enclosed ID & Utility Bill XXXX - XX/XX/XXXX : Mail response received from Equifax stating No Record found XXXX - XX/XX/XXXX : Credit report received from Equifax, no changes. 
XXXX - XX/XX/XXXX : Mailed ( certified ) response letter itemizing inaccuracies and requesting method of verification. 
XXXX - XX/XX/XXXX : Credit report received from Equifax, no changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX tx violated my hippa rights by selling my debt to another company collection agency called XXXX XXXX XXXX in XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX i have received threatening phone calls from this number XXXX XXXX about ruining My credit Then on XXXX XX/XX/XXXX XXXX this medical started reporting to my credit report it dropped my credit scores XXXX points i went into an deep XXXX i reach out to them in tears all they kept saying was threatening things i was so scared I ask the to send me letters, XXXX letters was sent to me on my email short after they hung up on XXXX XXXX XXXX asking for my life back im requesting for this debt to be removed for my credit report because of my hippa privacy rights have been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: First Technology Federal Credit Union
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I made a subscription change through XXXX XXXX. Which has my First Technology Credit Union Card on file for purchases. Usually there is a hold aka transactions pending for such. Within hours of making the XXXX  account purchase. A full charge as if I used my card with a pin or chip no hold or pending transaction. In the amount of {$11.00}. This threw my account t into an overdraft balance of more than XXXX or XXXX ( the amount that warrants an overdraft charge ). If First Tech would have put the hold ( as required for such a purchase ( CC not debit card ). The transaction for a credit processed through my XXXX XXXX in the amount of {$3.00} would have made my overdraft under the amount and I would not have been charged a overdraft fee.this is not the first time I have had to fight with my credit union. Regarding charges that were processed and should not have been or that didnt warrant a charge. Ex I believe in XXXX during the shutdown a monthly subscription. To a tanning salon processed the monthly payment knowing they were not open. And had a form to request a refund but they were not responding or processeing the refunds. I literally had to fight with First tech inorder for them to reverse the charge and forgive the overdraft! Which I do believe they did not refund me the fees! This is my 2nd account due to them wrongly processing transaction inorder to collect an overdraft fee! Transaction are not processed in the order they are done! Nor are they processed with the correct date of actual transaction made! First Tech does not offer fraud orenco tip To their members!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had fallen behind on the payments for my car loan, and in XX/XX/2019 I was able to pay all past due charges, and fees. I had received a receipt of payment from the loan company and my account via their portal had updated to current. Several days later my car was repossessed, the company said they had previously issues a repo order and never cancelled it even after it was paid and current. They advised this was my fault for not calling their customer service dept to inform them of the payment even though you are directed to make payments through their portal. I was then given repossession fees I had to pay to their reinstatement department to have my vehicle released, and that they would have to be paid XXXX XXXX and I would have the car released once the payment was applied to my account for the fees. The fees came to a total of {$850.00}. I paid the fees, and the vehicle was released. I received an email saying that my next payment due date would be XX/XX/19. I logged into my account to pay in XX/XX/XXXX, but I had no bill due. I called customer service to make sure everything was in order with the account and was advised that yes, my next bill was actually due XX/XX/XXXX due to the restructure and payment I made prior to the car being repossessed. In XX/XX/XXXX I received a bill for {$450.00}. I logged into my account to see what this was because my normal payment is only {$350.00} It was listed as a miscellaneous fee, I called customer service and was told this was a repossession fee added in XX/XX/2019. I said that cant be correct, the issues with the car were in XX/XX/XXXX and I paid these fees. I asked to have the reinstatement dept reevaluate the fee, as I had proof of payment. I recieved another bill with the {$450.00} still on the account and now an additional misc fee of {$150.00} added in XX/XX/XXXX. My statement for XX/XX/XXXX is {$530.00}, again no explanation for what these added fees are. They are asking for {$1100.00}, when I should owe {$350.00} for XX/XX/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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 an 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 2023-08-26
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 explanation
Consumer complaint received 2021-07-02
Company: Paypal Holdings, Inc
State: NV
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 is some mistake as I assume 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 I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Transuion is reporting inquiries XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXXXXXX XXXX and XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX that are not an obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent,

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 2019-06-26
Company: WELLS FARGO & COMPANY
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My friend asked me on XXXX if I could loan her {$50.00}! She sent me here email that was attached through XXXX ( But partnered with Wells Fargo ) and I carried out the transaction. Nearly 5 minutes later I find out her XXXX was hacked and has been asking people to send her money under the email so I immediately contacted wells fargo and they couldn't do anything about it because it already went through ( but it was in less than 30 minutes and they said it takes at least 30 minutes for transactions to work on their site ). I asked if I could report the account on the other end receiving the money because they are posing as another person who isn't who they say they are and the Wells Fargo representative said no ... which didn't make sense because I have the email of the person with the XXXX account so it would be in the best interest for a report to go to WF on this Wells Fargo account that is attached to XXXX. I sent a contact form to XXXX and have not heard back. I am out {$50.00} from a person posing as my friend.

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 2019-09-19
Company: ID Analytics, 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:
My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
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:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be updated or corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all 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 2021-07-03
Company: EQUIFAX, INC.
State: CA
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:
Under Title XXXX chapter XXXX, I am a federally protected consumer a natural person, the administrator and the original creditor according to 15 USC 1602 ( f ) ( e ) and I am the person who regularly extends credit according to 15 USC 1602 ( g ), 15 USC 1601, 15 USC 1602 ( f ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX can not originate credit ; they can only extend credit because I am the original creditor the natural person pursuant to 15 USC 1602. The furnisher can not validate debt without my consent according to 15 USC 1692j. In your investigation with ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 USC 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to remove all accounts from my consumer report. I did not give them ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) written consent to report on my consumer report according to 15 USC 1681 ( b ) ( a ) ( 2 ). Pursuant to 18 USC 8 the government assumed all liability from the social security card on file. I XXXX XXXX the natural person is not obligated or liable to XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. I have received many bills from these companies previously mention alleging I owe debt/late payment fees. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX Violates 15 USC 1605, FCRA, FDCPA, and TILA. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX continues to solicit on these alleged debts and some have even closed the account which is adverse action according to 15 USC 1681m and XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX has negatively reported on my consumer credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and ALL the credit reporting agencies will be persecuted for illegally utilizing my name and will be criminally liable for all violations according to 15 USC 1611, 15 USC 1640, 15 USC 1692e, Title 18 but not limited to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CCS Financial Services, Inc.
State: CA
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is 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 2023-10-09
Company: HYUNDAI CAPITAL AMERICA
State: MO
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:
In XX/XX/XXXX, I had a car accident and my car was totaled by my insurance company. XXXX XXXX XXXX sent a check to Hyundai Motor Finance ( HMF ) in the amount of {$16000.00} in XX/XX/XXXX. The value of my car was higher than the amount owed so I even received a few dollars from XXXX XXXX in XX/XX/XXXX. When I bought my car in XXXX, I had purchased several optional coverages such as gap insurance, wheel and tire coverage, and an extended warranty. Since I did not use any of those coverages, the insurance company which guaranteed the services provided a refund to XXXX Hyundai, the dealership at which I bought my car in XX/XX/XXXX. XXXX XXXX sent the refund to Hyundai Motor Finance and it was received and credited to my auto loan account on XX/XX/XXXX. I didn't owe anything on the loan at that point so I should have received the refund for the coverages which totals {$2000.00}. As of today, XX/XX/XXXX, I still have not received the refund that Hyundai Motor Finance is holding on to. In fact, they have had it since XX/XX/XXXX and is benefitting from interest on my funds. I am XXXX XXXX XXXX and on a very fixed income. There is no reason that it should take HMF over 30 days to process a refund on a XXXX balance account. I would like to receive the money that I am owed immediately, receive any interest that HMF earned, and be compensated for the delay and concern that this situation has caused me. I was already dealing with a concussion from the accident and the stress of this situation has intensified my health issues.

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 2023-01-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX is reporting a debt on my account that is inaccurate. It also has incorrect information reporting. The amount is {$700.00}. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # XXXX

Company response to consumer: Closed with explanation