BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I placed an order with online retailer XXXX, using Venmos debit MasterCard. Including tax the total amount due was $ XXXX. 
Upon placing the order a second charge was withdrawn from my debit MasterCard : [ photo of transactional record would be placed here if allowed ] {$24.00} was deducted from my Venmo account to XXXX XXXX but i am unable to see delivery address or any additional information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This complaint is about Equifax 's failure in their investigation to correct an error on our behave based on our consumer credit report of our XXXX Account ( mortgage account ). 
On XX/XX/2020, we submitted a credit dispute with Equifax based on their erroneous credit reporting that our XXXX Account was in : 1 ) Comments Section : ACCOUNT IN FORBEARANCE and 2 ) Terms Frequency Section : DEFERRED and 3 ) PAYMENT HISTORY for XXXX, XXXX, XX/XX/2020 PAYMENTS SHOW AS NO DATA AVAILABLE When in fact our XXXX ACCOUNT WAS NEVER IN FORBEARANCE and all payments were made to XXXX, including XXXX, XXXX and XX/XX/2020. 
On XX/XX/2020, Equifax completed their credit dispute investigation into our XXXX Account and has failed to correct their error. Their results still show that our XXXX Account is still Account in Forbearance. They have failed to remove the forbearance off from our XXXX Account. 
WE ARE DEMANDING THAT EQUIFAX CORRECT THEIR ERROR ON OUR CREDIT REPORTS BY REMOVING THE FOLLOWING OFF OUR XXXX ACCOUNT : 1 )  COMMENT AND CONTACT SECTION REMOVE ACCOUNT IN FORBEARANCE AND 2 )  TERMS FREQUENCY SECTION REMOVE DEFERRED AND 3 ) PAYMENT HISTORY SECTION - TO REPORT PAYMENTS MADE FOR XXXX, XXXX AND XX/XX/2020 BY REMOVING NO DATA AVAILABLE FOR THOSE MONTHS SINCE ALL PAYMENTS WERE MADE TO OUR XXXX ACCOUNT ON TIME AND OUR ACCOUNT WAS NEVER IN FORBEARANCE, THEREFORE, THEY MUST REPORT THESE PAYMENTS WERE MADE. 

Please see the following attached supporting documents : o Equifax Credit Dispute Results Dated XXXX for Both Borrowers x 2 o Equifax Credit Reports Dated XXXX and XXXX for Both Borrowers x 2 o Letter from XXXX Removed Forbearance - XXXX o XXXX Account Not In Forbearance - XXXX o XXXX Account Payment History Report - XXXX o Demand Letter to XXXX to Remove Forbearance XXXX o XXXX Acknowledgment Email - Cancel Forbearance - XXXX WE ARE CURRENTLY TRYING TO REFINANCE OUR VA HOME MORTGAGE WITH OTHER LENDERS AND ARE UNABLE TO DO SO BECAUSE OUR XXXX ACCOUNT IS ERRONEOUSLY IN FORBEARANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is a collection that is being reported illegally this is violating my privacy and HIPAA law.

Please remove from the credit report or you're opening yourself up to litigation. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2018-12-21
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They've called me every day, 2-3 times a day. I've answered and explained my financial situation, apologized for the late payment and informed them that the soonest I'd be able to make payment is in a couple weeks. The last person I spoke too told me that was unacceptable and the calls would continue until I paid the debt. I told them the phone calls change nothing and that I'd like for them to stop. I'm aware of the debt, but have zero means to make payment until the first week of XXXX. Continuing to call me, even after being given a answer would be considered harassment. The collectors response was " it's not harassment if you owe us money and that's not a suitable resolution, so we will continue to call. '' so I hung up the phone.

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 2023-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX, I had a Capital One Credit Card in XXXX XXXX. There were charges on the credit card I did not make, and I reported to Capital One. Also, I was a victim of the XXXX. XXXX Data Breach. I filed a claim with XXXX Data Breach [ their claim info ] between XX/XX/XXXX, and XX/XX/XXXX. 
Sometime in XXXX, XXXX XXXX XXXX reported a {$1400.00} debt to my Credit Bureau. I attempted at least twice to dispute these charges. 
On XX/XX/XXXX, XXXX XXXX XXXX was granted a Default Judgement against me in the XXXX XXXX, Precinct XXXX Place XXXX, XXXX XXXX, Texas, for {$1400.00}. and they have proceeded to increase these charges to {$1600.00}, as noted on my credit report. 
I will continue to dispute these fraudulent charges against me, and I have contacted XXXX 's Restorations Services for assistance today, XXXX XX/XX/XXXX. 
I ask for your assistance in the matter as well. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the fair credit reporting act XX/XX/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 instruction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I purchased a XXXX XXXX in XX/XX/XXXX and paid on it until till XX/XX/XXXX. I ran into financial trouble and voluntarily let the car go back. the loan company prestige financial has sent me a summons for the amount of {$17000.00} dollars when I bought it for XXXX. It was repo in XX/XX/XXXX and sold to auction and the acct closed and charged off since XX/XX/XXXX. They are reporting this to XXXX late and failed to pay when I don't have this car, XXXX and XXXX has removed this charged off debt, They cant charge me or continue to report on my credit for something that was sold to auction, XXXX XXXX from prestige and XXXX XXXX have harassed my jobs and family. I cant afford a lawyer for harassment therefore I am sending complaint. This needs to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am a living person. I am reaching out once again about the prior complaint submitted by me XXXX XXXX. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of any information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-04-10
Company: EQUIFAX, INC.
State: MD
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 sent a letter last XX/XX/XXXX, to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous request & I am including it again. 
XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXXXX Balance : {$100.00}, XXXX XXXX  XXXX Balance : {$57.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$2100.00}, XXXX XXXX Balance : {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX Balance : {$180.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-27
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. I, XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
They also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency 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. As a consumer, I am demanding a deletion of the following account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Furthermore there has never been any documentation provided that validated any of these accounts. No contract with two wet signatures, no proof of full disclosure, no equal consideration provided, no lawful terms and conditions, no accounting records. 

XXXX : XXXXXXXX XXXX in Fact UCC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
There were a number of fraudulent charges made on my account back in XX/XX/XXXX, totaling around {$1500.00}, I do not remember the exact amount since it has been so long. I reported the charges and opened a dispute, and they started a review and began refunding the fraudulent charges to my card. I think the full amount was credited back to my account but they never completed the review and gave me full report, so I don't know for sure. My card has now been locked for a year and a half, after they initially said the review would take 4-8 weeks. The last balance adjustment I can see on my account happened back in XX/XX/XXXX. I have tried contacting them to get updates on their review several times, probably more than 10 times, over this time period and they have given no updates. Every time I ask them when my review will be completed, they say they have no update, and they will let me know when the review is complete. I have continually asked to have the issue elevated and speak to a manager and file a complaint but they repeatedly say there is nothing else they can do. The attachments are an example of the responses I have gotten every time I reach out to them for an update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13
Company: BMW Financial Services NA, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I entered into a three year lease with BMW Financial through XXXX XXXX BMW in XXXX SC, XX/XX/2019. I leased a XXXX XXXXXXXX and my ending lease residual in the lease contract is {$30000.00}. Upon lease end, I choose to buy the vehicle and notified my salesperson, XXXX XXXX. XXXX XXXX stated that we needed to bring the vehicle in for the BMW a lease end inspection. I took the vehicle to the dealership on XX/XX/XXXX for the inspection ( I had extended the lease for one month through BMW Financial ). The next day XXXX XXXX called and stated that the inspection was complete and that he would send me a proposed finance agreement for financing the purchase of the vehicle. When I received the finance agreement from the dealer the selling price was {$33000.00}, which is {$3400.00} higher than the BMW contract residual amount of {$30000.00}. When I questioned the difference, XXXX XXXX made reference to hand written figure on the sales document of XXXX that read : refund coming from BMW for the miles. If that money is due me from BMW, it should have nothing to do with the residual price of the vehicle. I appears that XXXX XXXX BMW is engaged in deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In XXXX and XXXX, I filed a disputes with this consumer Credit reporting agency about the unverified collection account of XXXX XXXX Account # XXXX. In these months I have tried multiple attempts for validation of this unverified account with these credit reporting agencies. The Fair Credit Reporting Act states that they must verify this account or delete it from my credit report and they have not verified and continue to.Report on my consumer credit report. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this credit reporting company as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
on date XX/XX/XXXX I request Experian, one of the major credit report agency in USA, a free copy of my last year credit report or for the year ending in XX/XX/XXXX. I am full of adverse surprise due to the following entries, on said report from Experian, on the heading of this report I was included of having eleven names, eleven addresses, and five other records including 28 accounts and six hard inquiries. among the names that Experian has ascribes to me is XXXX XXXX  XXXX. I want to remind this company that in the beginning of year XX/XX/XXXX when I just moved to the Citi of XXXX XXXX from XXXX, NY. Experian published an adverse report against me, I reject that wrong report, few months latter I receipt a letter with a simple apologize from the company but I lost monies, the interest rate on my deb went up due to this adverse report. Now one more time Experian published an adverse and inaccurate credit report against me this time with the possible complicity of XXXX XXXX Bank  and some of its subsidiaries, on the recently credit report against me XXXX XXXX bank   disclose as its name XXXX XXXX and it has been omitted XXXX XXXX XXXX XXXX XXXX the institution responsible of the custody of my interest deposited at the XXXX branch this bank is doing impossible moving in order to evade its responsibility on my case, the bank has transferred most of the potential witness, it has make a lot of document update, post date letter, on XX/XX/XXXX or XXXX of XXXX made new partnership with one of the company the bank said paid my money and this credit report which look at my the bank is trying to avoid that I refinance my home or take equity loan on my home that I have paid during sixteen consecutive years, never have skip a payment never late, even those XXXX XXXX bank has vulnerate my account which has impede me to pay off my loan mortgage and to continue my small business activities I an ready to continue working at my 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 2021-10-26
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: PA
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've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 2023-04-10
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 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 correction 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 XXXX 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

Company response to consumer: Closed with explanation