BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-08
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: Investigation took more than 30 days

Complaint:
Hello, My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX XXXX I am writing this complaint because Equifax , Inc. has violated many consumer protection laws including preparing and reselling inaccurate information. Equifax , Inc. does not have permissible purpose from either XXXX XXXX XXXX, the Consumer in which this Consumer Report relates, nor has a court issued an order to furnish such inaccurate information. Furthermore, as of XX/XX/XXXX, it took Equifax , Inc., 34 days to conduct a reinvestigation. Which is outside of the 30 days allowed to conduct a reasonable reinvestigation pursuant to 15 U.S.C 1681i ( a ) ( 1 ) ( A )., This was previously disputed with Equifax , Inc., therefore, Equifax needed to conduct a reinvestigation upon Notice by XXXX XXXX XXXX. This information was not verified by the end of XX/XX/XXXX, which would have been the end of the 30 day period allowed since Equifax , Inc. received notice of this dispute on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: American Credit Acceptance, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This company overcharged me and did not follow the 15 USC 1605. They also added my cash downpayment onto the loan to add more money on interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Westlake Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
WESTLAKE FINANCIAL SVC is reporting inaccurate information on my credit report I have requested validation of this information and have not received any information from them

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 2023-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-02-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been charged overdraft fees by Wells Fargo since 2011 and I want to know if they were all XXXX XXXX or a company error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. XXXX XXXX XXXX XXXX. XX/XX/XXXX 10. XXXX XXXX XXXX XXXX. XX/XX/XXXX 11. XXXX XXXX XXXX  XX/XX/XXXX 12. XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2023-02-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I created my PayPal account in the year XXXX and I'm doing an smooth transactions with my clients international with goods and services offered but last XX/XX/XXXX, PayPal management permanently banned my account without asking for any information what I've done wrong even though I complied all their legal agreements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
The letter enclosed explains my dispute on several accounts. I never recieved what was asked for in the letter. The credit bureau is non compliant and this is the third attempt. This now qualifies to be deleted for non compliancy on all accounts listed in the letter attached. I will pursue this in court if they are not deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Experian Information Solutions Inc.
State: GA
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 been contacting each credit Agency to inform them that it is a violation of the Privacy Act Of 1974. They are also in violation of 15 USC 1681 by reporting information without insuring that the information is completely accurate.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXHas violated my rights. 

15 U.S.C1681 section 602 A. states I have the right to privacy.

15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. 

Due to these issues on my report, I am having a hard time to provide for my child! I'm unable to get an apartment. I'm unable to secure a loan for school to better my career due to these discrepancies.

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 2023-05-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXXXXXX : # XXXXXXXX XXXX : # XXXXXXXX XXXX : # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I check my credit and I notice some accounts that I did authorize which should not be on my credit report. my identity has been tampered with, and I don't understand how this was so easy and possible for someone to try to destroy my life stealing my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-06
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I have tried several times to call Pay Pal and have disputes re opened that were due to payments I made to an ex merchant that corrupted my work and so I fired him, I lost all his work so therefore several e-mails were sent to Pay Pal asking them to dispute charges to this merchant. I have several e-mails I want to provide the CFPB to show you why I'm disputing these charges and you will also see the dates for transactions and you will see the threateneing e-mails I received from ex merchant. Pay Pal 's back office would not even let me speak with a memmber of Management to discuss my issues. My cases are always being denied when I have more than significant proof to back my cases up. And when I call into Pay Pal I always get a different agent and ever one of them tell me something different, there is no steady pattern for there customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 non-monetary relief
Consumer complaint received 2022-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2022 I was a victim of fraud. I got a call ( and XXXX appeared on my caller ID ) from what I thought was my utility company, stating a payment was due. 

The scammer convinced me that payments could be made faster through my bank/XXXX. I know that utility payments can be made at bank branches so it did not seem unusual. 

I paid {$300.00} via XXXX and they said it did not go through so I made another payment of {$290.00}. 

I found out I was scammed. 

I filed a claim with my bank, Capital One and included the police report that was filed. They denied my claim first stating I should work it out with the vendor ( no vendor to work out ) and later stating that XXXX is not responsible for scams. 

I reminded my bank that the XXXX service is utilized via my online ( capital one online banking ). I better understand now if that XXXX is a XXXX party vendor but I feel I should more protection from my bank. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX  XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) XXXX XXXX XXXX XX/XX/XXXX ( Inquiry ) 15 USC 1681 Section 602 A. States I have a right to Privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years. 

15 USC 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 2022-11-01
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I got a XXXX XXXX XXXX XXXX XXXX at this place back in XX/XX/XXXX, I was charged a cash deposit, a high interest rate of about 19.49 %, and they made me buy separate car insurance. I was making my payment on time until around XXXX of this year ( XXXX ) where i then asked them if their company offered a hardship program that would give me an extension on the car lease to give me time to finish the agreement, they requested documentation of my situation for which i obliged. 
They responded with 1 deferred payment of 2 weeks and 2 weeks later i was making the same payments that were my original payments in the first place, funny thing is i have never asked for a hardship program before so i was hoping they would work with me. 
Every time they called i answered and i have tried to stay in honor with the contract, by continuing to pay as i could for as long as i could. XX/XX/XXXX i am still letting them know that i am having a hard time but they didn't care asking if there was anything else they would do so i would go into default and they said no, imagine my surprise when i wake up XXXX day of XXXX and my car had been repossessed, they said i am 25 days behind and that to get the car back i would need to sign a new contract with them to see if they would like to move forward with this but there is already a contract so what are they talking about? This sounds like they are trying to recontract me in a new contract. Why are these companies allowed to do this to people, I've never received any notice at all that the car was being repossessed and there has been no communication via email, they are always so hostile with me when i am just trying to get information. I've been hung-up on many times that i am afraid to call them ; they escalate situations when it's not necessary and are very unprofessional. I will never deal with this company again. They did not inform me that i had a right to rescind this contract at any point of doing business with them and then i went to pick up my items at the XXXX XXXX at XXXX XXXX XXXX in XXXX Tx where they were holding my items XXXX and they had me sign a release of the vehicle stating that i am volunteering to give them back the car. This is a public notice that all contracts are here by rescinded with XXXX XXXX and its finance company XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: IL
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 reported to XXXX XXXX by postal mail, letter dated XX/XX/2022, by XXXX Certified Mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX, that the account they are reporting to all major credit bureaus XXXX XXXX , Equifax , XXXX, XXXX, etc., is a fraudulent account as I did not open any such account. I did not receive a response back and mailed them another letter, dated XX/XX/2022, XXXX Certified mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I received a letter from XXXX XXXX, copy attached, dated XX/XX/2022, stating that they verified the debt as valid and is accurately reporting to the credit bureaus along with a Note & Disclosure statement and a Payment Authorization form. I do not have any knowledge of this account not did I make any payments to this fraudulent account. The letters received, which are attached, are also proof that the signature, that looks like someone just typed out and printed, is not mine and also the address listed on the account is not mine. I do not have any contract or any business with XXXX XXXX nor ever did. This account is not mine nor did I authorize anyone to use my name for to obtain any goods or credit. The total amount stated on the letters I received is {$12000.00} but XXXX XXXX is reporting this fraudulent account balance of {$24000.00} to all major credit bureaus.

Company response to consumer: Closed with explanation