BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX is currently reporting an inaccurate amount loan paid as agreed on my credit report. Also, remarks on my Automobile should be : Paid Off not closed. Their inaccurate reporting is negatively affecting my credit score and I am receiving denied credit letters. They deleted the automobile loan from my credit report where they should have modified the amount paid off. Which took my credit score from 700s to the 500s, between XX/XX/2019 XX/XX/2019. 

I've been trying to correct this issue since XX/XX/2019. 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 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be corrected from my file right away XXXX XXXX Balance Owed : {$1900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal XXXX XXXX CFPB Report Summary : PayPal has wrongfully billed me for a fraudulent {$650.00} transaction even after they resolved a PayPal dispute in my favor. During this process I filed a chargeback with XXXX and then cancelled it. They claim XXXX took the money from PayPal, but XXXX confirms I cancelled the chargeback and PayPal accepted the dispute in their favor. PayPal debited me after the date XXXX says PayPal accepted that PayPal had won the chargeback. At this point, I am out {$650.00} and have no recourse because XXXX says they sent the money back to PayPal but PayPal says XXXX sent the money to me. XXXX did everything they were supposed to, but PayPal is still erroneously charging me. 

Timeline : XXXX I purchased a very large tool chest on XXXX for {$650.00} including tax and shipping. 
XXXX A substantially different item is delivered by freight XXXX Item return started XXXX Seller promises refund XXXX Item picked up by freight delivery company XXXX No refund, opened PayPal dispute XXXX PayPal issues temporary refund of {$650.00}, but their automated system refuses to accept my info because it is not a XXXX or XXXX tracking number. Tried multiple times to communicate that the return was via local freight and there was no tracking number. Offered security camera evidence of XXXX XXXX workers in a XXXX XXXX truck picking up the merchandise, PayPal refused. 
XXXX PayPal closes the dispute in fraudulent seller 's favor, sets PayPal balance to - {$650.00} XXXX PayPal attaches {$650.00} charge to an unrelated purchase without warning XXXX Chargeback imitated at XXXX for {$650.00} XXXX PayPal reopens case XXXX I cancelled chargeback with XXXX, resolving it in favor of PayPal. No credit to my XXXX account required. 
XXXX PayPal researches my evidence and closes the case in my favor, refunding me {$650.00} XXXX PayPal sends a second notice telling me they closed the case in my favor and that they had already processed the refund. 
XXXX Without warning, PayPal charged me {$650.00}. Upon inquiry they claimed I had not closed the chargeback and they were collecting the funds XXXX had refunded me. 
XXXX PayPal and XXXX complete settlement of the dispute with PayPal confirming to XXXX that the dispute was resolved in PayPals favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX Contacted Fifth Third Bank for a copy of my file and requested a copy of the XXXX XXXX. As of XX/XX/2022 have not received the letter. According to Resp 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ) I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. No response from Fifth Third Bank XXXX Contacted Fifth Third Bank for a copy of my entire file. There were too many inconsistencies from department to department. As of XX/XX/2022 have not received the letter. According to Respa 12.U.S.C. 2605 Real Estate Settlement Procedures Act ( RESPA ) | Consumer Financial Protection Bureau ( consumerfinance.gov ). I am in fact entitled to receive the letter. The Qualified Written Request was submitted XX/XX/2022. 
No response from Fifth Third Bank Contacted the XXXX XXXX XXXX, XXXX one of the lawyers from XXXX via email dated XX/XX/2022 to make sure the right law firm was handling the case. The phone numbers match but the address on the Urgent Notice of Acceleration of the Mortgage Loan : Payment Due in Full Does not match. The law firm on the letter is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IN XXXX XXXX. The email XXXX XXXX XXXX sent me does not have an address only a website www.codilis.com. 

Notice not sent of the transfer of my mortgage to XXXX XXXX XXXX. The title company I closed with is XXXX XXXX XXXX XXXX XXXX. I can't tell if this is the original document or a fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. The past 2 months i have disputed this and it was verified as " accurate '' by XXXX XXXX XXXX. It is reporting to Transunion, XXXX and XXXX  but a lot of contradicting information there is no way that they that they can verify this debt as it is reporting completely inaccurate they are in violation of my rights. 

below are the innacuracies Monthly payment Transunion {$260.00} XXXX {$260.00} XXXX  {$0.00} Date opened Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX month ( terms ) Transunion XXXX XXXX XXXX XXXX  XXXX high credit Transunion {$15000.00} XXXX  {$0.00} XXXX  {$15000.00} Last reported date Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX date of last active Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX the reporting on the bottom on the 2 year payment history is all different as well..please see attached document for proof of all of the inaccuracies stated above

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 2023-05-04
Company: EQUIFAX, INC.
State: FL
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, Bills Of Exchange Act, Federal Reserve Act, 18 usc 241/242, Truth & Lending Act, CDCA, HJR -192, ECOA ( Equal Credit Opportunity Act ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Federal Reserve Act ( Section 16 part 2 ), and Bill of exchange Act. They also knowingly and willing conspiring to deprive me of human rights under color of law title 18 usc 241/242, while commuting securities fraud Acct name : Department Of Education/XXXX  Acct XXXX XXXX Fact : Section XXXX XXXX XXXX XXXX makes it unlawful for XXXX or more persons to agree to injure, threaten, or intimidate a person in the United States XXXX XXXX free exercise or enjoyment of any right or privilege secured by the Constitution or laws of the Unites States XXXX XXXX of his or her having exercised such a right. 

Fact : Section 242 of Title 18 makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States According to federal reserve act section 16 part 2 : it states my Application/ PROMISSORY NOTE ( bill of exchange ) was used as a bill of exchange to fund the account as collateral!

Fact : Federal Reserve Act : Section16 ( 2 ) Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

As you should know, FACT : Federal Reserve Act Section 29. Civil Money Penalty c ). The maximum daily amount of any civil penalty which may be assessed pursuant to subsection ( c ) for any violation, practice, or breach described in such subsection is -- 1. in the case of any person other than a member bank, an amount to not exceed {>= $1,000,000} ; and 2. in the case of a member bank, an amount not to exceed the lesser of -- * {>= $1,000,000} ; or * 1 percent of the total assets of such member bank.

In conclusion you are commanded to deleted from all consumer reports and compensate for ALL VIOLATIONS!!! Failure to perform will lead to a federal lawsuit against your corporation for breach of agreement and securities fraud accordingly to Bill of Enchange Act, and Federal Reserve Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: SC
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have a 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 items 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 furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought a new Hyundai XX/XX/XXXX and traded in my old Hyundai to the dealership who in turn paid the loan off with my car and additional money I had to give them. I was told I was getting an overage check from Hyundai Finance but never received it. When I called Hyundai finance they said they sent my check to the dealership by mistake. I called the dealership and they said they never received it. I was told by Hyundai finance that I had to wait 30 days and to call back to request a new check. I called back in XX/XX/XXXX and was now told that the dealership had to call them and tell them to send the check directly to me. I called the dealership several times and no one would help me out. I finally was able to get the comptroller of XXXX  XXXX Hyundai dealership to call Hyundai Finance to let them know to send me my check. On XX/XX/XXXX the dealership finally called Hyundai Finance to issue me the check. I was told I would get the check in 2 weeks. I called Hyundai Finance today XX/XX/XXXX and was told in the notes of my case it has that XXXX XXXX dealership called to request that Hyundai finance release the check to me and then it said that on XX/XX/XXXX an email needs to be sent to a manager and no check was issued. I asked the woman why wasnt an email sent to a manager and she said that they were waiting for me to call and request this. I asked how would I know that an email needs to be sent and she didnt have an answer.

I have been getting the run around from Hyundai Finance for 4 months and have been doing everything they requested me to do in order to receive my check and every time I speak to someone there they give me a different answer and the run around. Please help me get my money from them. I am a XXXX yrs old woman and I have never had any problem trading in a car and receiving my overage check. I really need that money so I can pay some bills. Thank you very much.

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 2021-03-23
Company: Avant Holding Company, 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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Federal Trade Commission Report Number : XXXX Its unclear when my identity was stolen due to me sleeping by my boyfriend at the time home. 

I discovered what happened when I pulled my credit report due to him often stealing others identity. At that time I was afraid of him and believed he will harm me if I indicated his name. So a report was never filled. 

New information? Yes, his name is XXXX XXXX. He has also stolen my money from me in the pass. 

I sent him XXXX XXXX XXXX to return an item and he informed me that the cashier returned my money back to my debt card. When my money didnt come back in my card I contacted the store. The store manager pulled the tape and stated the cashier he requested a cash refund due to it being a debt purchase and put the money in his left pocket. 

She even sent me the video through text. 

Capital One - credit card account number XXXX. I dont know anything else about this account besides what I see on my credit report. 

Ive been requesting that Capital One provide me with proof on this account however the account keeps getting transferred to different collection agencies. 

It was with XXXX XXXX XXXX to Capital One, and now its with XXXX XXXX. This is insane. 

Ive requested that they provided me with verifiable documentation that the Capitol One credit cardaccount number XXXX was reporting accurately, and that my federal rights have not been violated. 

Ive requested that they prove that the account was in fact due for payment on the following dates the entire years of XXXX, XXXX, XXXX, XXXX, and XXXX. 

Ive requested that they prove that the owner of the accounthad legal right to report these payments as late without a monthly payment amount. 

Ive requested that Capitol One have this accountremoved and stop and decease all negative reporting to XXXX, and all credit bureaus. 

Ive requested that they contact the national credit bureaus and have them delete this account from my credit report immediately. 

Im requesting that Capital One delete this account off my credit report if verifiable information couldnt be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: IL
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 had an open auto loan with XXXX XXXX XXXX XXXX that has been paid off. However, before it was paid off, my XX/XX/XXXX payment was marked as 30 days late when the payment was called in on XXXXXXXX XXXX. While on the call the recording stated that the call was being recorded and towards the end of the call I was asked to speak my name again for the recording then the payment was completed. I received a call from XXXX a short time afterwards informing me that my account was 30 days late. I informed them that Id made my payment but after checking with my bank I was informed that they never withdrew the payment. I immediately called XXXX back and made another payment with a representative. I asked if they could pull that recorded to call so that they would know the error was on their end. The representative then informed me that although the recoding says the call is being recorded, it only records if you speak to live agents so they wont be able to listen to it resulting in the 30 day late mark remaining on my report. I have disputed this payment several times now with XXXX XXXX  and they werent responding at all until I just recently disputed it with XXXX, Equifax, and XXXX while giving my supporting evidence and they just responded as verified. I have no control over XXXX XXXX phone system nor did I have any way of knowing that they were obviously having phone errors as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im having difficulty contacting Experian. I've mailed in documents, got not response, called inquiring, and was greeted by a representative outside of the united states who of course couldn't locate my disputes. I've tried Experian upload but it just times out every single time i try. I refuse to contact XXXX  by phone again, although the rep was trying to be very helpfully, the call center was located in XXXX and the language barrier was too much to deal with, and i wasn't comfortable giving my information out to possible be exposed again. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. PLEASE HELP. PLEASE RESPOND TO ME.

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