BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: Westlake Services, LLC
State: NY
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:
My repossession date with this company is XX/XX/2015 I have spoke to multiple representatives I have spoke to supervisors and multiple supervisors the supervisor I spoke today name was XXXX and I keep explaining to them that this repossession needs to be off my credit report because it's been over 7 years from the time of the delinquent repossession she have stated that they have contacted the credit bureaus to have the the remark removed for over three months and it is still on my XXXX and my XXXX credit report this is a violation of my rights and it's affecting my life I can not get a car or anything because the remark is still on my report even after the statue of limitation I have exhausted my resources I have sent out multiple letters numerous of times and still nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, my name is XXXX XXXX. Email : XXXX Please release my money it has been over 3 months and all disputes have been resolved. Please also restore my business account since I only sell my own XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Contacted DataX to apply a security freeze due to a payday loan application and they refused to do a verbal security freeze and want me to mail in my SS card and Drivers License to process a security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: SC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Wells Fargo opened 10 + accounts in my name due to faulty sales tactics. I experienced numerous overdraft fees in these accounts though I had money in my accounts as a whole. I was never notified. They have frozen all of the statements from my accounts in 2013 for quite some time now. I have never seen all of my own financial documents over the years.

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 2023-01-17
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 a mortgage company did a hard pull on my credit through XXXX XXXX without having my consent. I had no intentions of refinancing my mortgage loan as the interest rates were as high as 7 %. I was not aware that a hard pull was down on my credit until after XXXX when I reviewed my credit information on 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 2023-01-17
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I contacted all three credit bureaus XXXX, XXXX and Equifax about a previous dispute of an account on my credit report for all three bureaus. This charged off account with XXXX XXXX XXXX XXXX account number XXXX currently has a balance of {$850.00} on my XXXX and Equifax report. On my XXXX report is has a balance of {$1500.00}. In XXXX of XXXX This same account had the balance of {$1500.00} in all three credit bureaus. This charged off account balance has change several times from {$850.00} to {$1500.00} without any evidence or reason why. I have ask the credit bureaus to conduct their own investigation into the matters and send me physical evidence of this account belonging to me and verified the amount is correct. They all have failed to do jus that and each month when this account goes up {$1500.00} it brings my score down even more. When I dispute this account, the only thing that happens is they lower balance down to {$850.00} and the cycle starts again. No one is actually doing a proper investigation and just changing the amount without supplying me with the proper proof that this account is accurate and belongs to me. Please assist me in these matters I want to finally build a decent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I requested Barclay Bank to validate the debt, in which, they claimed I owed. The account XXXX and a balance of {$1300.00}. 

As of XX/XX/2023, this company has not responded to by letter validating this debt belongs 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 explanation
Consumer complaint received 2023-01-17
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 XXXXXXXX 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.

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 and other adverse items of information, other than records of conviction 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act Convergent Account : 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 Has violated my rights. 15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2023-02-06
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using Zelle and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX, XXXX and XXXX. I've tried recovering my funds from XXXX Bank, Zelle and XXXX but they all denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has not removed the inaccurate, false reporting by XXXX XXXX XXXX from XXXX, XXXX despite by multiple attempts and disputes. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/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 2023-06-21
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I have a leased Acura 2020ILx that has been with the dealership auto repair unit since XX/XX/XXXX. The car was due back mid XXXX on account of a back ordered part. I had to escalate ( through corporate customer relations ) obtaining the part and the part finally arrived at the dealership on XX/XX/XXXX. I am hoping to get part of my lease payments refunded as I was not accommodated by Acura in way of a loaner, reimbursed for additional out of pocket payments and kept endlessly hanging till I escalated the complaint process within the company. 
I want you to be aware that customers that lease vehicles are trapped and bound to their contracts with auto companies. All repairs need to take place at the dealership with certified parts. In the eventuality of unforeseen issues like supply chain breakdowns exacerbated by Covid, customers are left hanging, waiting on unreasonable delays, exceeding 180 days, while companies do nothing to accommodate financial impact on consumers. Please do let me know what recourse I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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 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 had numerous issues with Experian not reporting the correct information. Recently they have violated federal laws pertaining to reporting credit and handling disputes. I have a credit line of 5 digits that is not purposely being reported. This negatively effects my credit worthiness and wrongfully gives the facade of a lack of credit worthiness. This account does not show any status nor my payment history. All of which negatively effects my credit and appears to be racially motivated. A dispute was submitted and after the dispute my account was not fixed.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-03-02
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I contacted Chime regarding fraudulent use of my debit card and I also reported it stolen. They claim to issue me a new one, I have not received it yet - My first 3 transactions which totaled close to XXXX was denied- for no reason whatsoever. Everytime I call to check the status of my claim- I am told different lies by different people claiming to be Supervisors. 
I was also told while my claim was being investigated that I would receive a provisional credit for my loss of money and that was also a lie. 
My dispute claim numbers are XXXX And XXXX. 
I was denied on XX/XX/XXXX. 
This has affected me and my family a great deal and placed us in a huge financial burden while all this time - Chime and its employees lied to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: OH
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:
On or about XX/XX/2023, I received a XXXX ID Theft protection alert. Upon receipt, to understand the depth of the alert, I contacted a XXXX customer service representative. In an application for a consumer loan, the representative noted that personally identifying information was used. Shortly thereafter, the following additional Norton Identity Theft ( and Dark Web ) alerts were identified ; i.e., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, to determine if there were possible fraudulent activities, within other consumer reports, additional suspect accounts and collections were observed. As the result of the XXXX XXXX XXXX ( XXXX ) breach, an Equifax breach, and most recently the XXXX XXXX XXXXXXXX data breach ; the prevailing belief is that my personal data has been compromised. Moreover, personal data is being used to open and or maintain fraudulent consumer data. 

Subsequently, I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains therein ( see list below ). U.S. Code 1681c-2 compels a Consumer Reporting Agency ( CRA ) to block collection activity the consumer identified as information associated with ( or resulted in ) alleged identity theft. As a reported victim of identity theft, in violation of the above code, your organization has legal culpability. For instance, under U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), consumer reporting agencies may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. To date, I have NEVER given or afforded any Consumer Reporting Agency, or any such entity WRITTEN CONSENT to report or furnish personal consumer data. Thus, as identified, the following items constitute violations of federally protected rights.

The following attachments and letters to consumer credit reporting agencies are submitted for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX / XXXX reported false information to my credit report. That was not part of the contract please provide part of the contract that state that a state excise tax can be added to the vehicle monthly payments. 
They added an state excise tax bill as a monthly car payment where on the contract dose it say that the state tax and add on to vehicle lease payments. And that it can be reported as a missed payment of my leased vehicle. 

I also have an issue that I would like the CFPB to take a look at is I have Hundreds of receipts from bank and credit card statements of gasoline that was fueled, an avarage of 18.8 gallons to fill up a XXXX XXXX XXXX avarage gasoline cost of {$62.00} usd on avarage, that was leaking gasoline. Which they do have a recall only years later after owning the car all that lost of gasoline / money wasted I was filling up sometimes twice a week do to this issue would like to know if I could have some reimbursement of all the gasoline leak That occurred during the time that the problem went unknown during that first year And a couple of months and unable to find a time slot with XXXX to get the Metter resolved do to insuficiente availability on there website. 

Description of the recall : On XXXX & XXXX XXXX XXXX ( XXXX ) and XXXX ( XXXX ) vehicles equipped with 2.5T GDI engines, the fuel pipe connecting the high-pressure fuel pump to the fuel rail may have been installed with insufficient torque during assembly. 

I would like that the CFPB Takes a look at Both of the matters for me please. I will also contact other resources for more support on this matter for the records. 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 explanation