BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CarMax, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I sent a letter to rescind my car contract. In the letter I stated the violations the company has violated as well as what I wanted. They had XXXX days to respond and have yet to respond. I always saw XXXX pages in my car contract that were signed by somebody else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I HAD A BANK ACCOUNT WITH WELLS FARGO BANK XXXX INCUDING CHECKS & DEBIT CARDS. {$4000.00} OF SOCIAL SECURITY DIRECT DEPOSIT MONTHLY BENEFIT CHECKS WERE LOST OR STOLEN. I FILED THIS AS MISSING WITH WELLS FARGO BANK ( S ). I DID NOT RECEIVE A RESPONSE OR RECOVER ANY OF THIS MONEY. I RECEIVED A CHECK FOR {$10.00} THIS WEEK STATING THAT AFTER BANK FEES THIS IS THE TOTAL ACCOUNT RECOVERY PAID TO ME. THE ACCOUNT IS GREATER THAN 7 ( SEVEN ) YEARS OLD & WAS CLOSED WHEN I DISCOVERED THE {$4000.00} SHORTAGE.

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 2023-03-16
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I did business with an individual that consisted of one transaction. I sent him XXXX  digital credits through a peer to peer trading service called XXXX and he paid for those credits by sending me XXXX USD via PayPal. The transaction concluded once myself and the individual had confirmed recept of funds. Months later, around mid to late XXXX that said individual filed a fraud claim with his financial Institution claiming it was an unauthorized transaction and he was not the one who sent those funds to me. Paypal then charged back my account making it XXXX once the final decision was made without ever notifying me that this was even taking place. I had no chance to defend myself or provide evidence that undoubtedly proves that the transaction was deliberate and authorized. I have records of the conversation, he followed the instructions given by XXXX such as labeling the paypal payment as a " gift ''. Dispite all of this, paypal refused to return my funds because I did not pay the protection fee. Regardless of a fee paypal is expected to handle funds with atleast some level of care. This was worse then reckless handling and negligence, they flat out aided an individual with comiting fraud and told me about it once it was finalized. I have been since harrased by paypal on a daily basis ( several times a day ) to pay my account balance to a positive state even though they are the reason for it. They have reported to credit that has hurt my score and even sent this to collections which I am currently disputing because that debt is not my debt, it is paypals. Lastly, when communicating with the fraud department in regards to why they did not think to ask me about the transaction before making their decision, they responded with " this case did not require your input ''. From what I understand, paypal believes this individual took two months to realize he was missing XXXX USD and reported it as fraud. I was apparently a random individual that just happen to receive his XXXX USD?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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: Was not notified of investigation status or results

Complaint:
I filed a dispute 5 times with Equifax so they remove a charge from a merchant that was not supposed to be there, but they have done nothing after 5 attempts. Every time I call they say ''dispute not found, try again '' or their fax machine is trash and they can not get a new one to be able to read documents they requested, so their final decision is that ''merchant is right '' because they could not read my supporting documents, and they never request information from the merchant. Their automated system is trash as well because to get to an agent you have to go through a 30 minutes interview asking the same exact thing over and over. Some of the agents are very incompetent. This company should be better than that since they are dealing with people 's credit information but is just like trash in all aspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This communication serves as an additional assurance that certain items, identified as potentially fraudulent, will be removed within the forthcoming 15 days. I have diligently monitored my credit reports and, while I appreciate the removal of some fraudulent entries during the previous update, I am scheduled for another update in 15 days. I hope that further deletions of the remaining fraudulent items will be effected at that time. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605, it is mandated that the Credit Bureaus expunge any items listed on an Identity Theft Report, specifically Report # XXXX. The items in question are detailed below for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
DEBT IS MORE THAN XXXX XXXX XXXX AND TOO MANY INACCURACIES 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 explanation
Consumer complaint received 2021-08-29
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
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:
I filed XXXX report due to inaccurate/unauthorized accounts/inquiries on my report, nobody would help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
In XX/XX/2023 I submitted a complaint through the CFPB ( complaint XXXX XXXXXXXX ) requested that Equifax conduct an investigation on an account XXXX XXXX which appears in my Equifax Credit file . As Per 15 USC 1681 ( a ) ( 1 ) ( a ), any dispute investigations must be completed with action taken before the expiration of 30 days of when the dispute was received. Equifax did fail to complete and make timely notification of the results of this investigation as required by law. As per their response, the investigation was completed and closed on XX/XX/2023, which is past the 30 day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-08
Company: Experian Information Solutions Inc.
State: NJ
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:
THIS INQUIRY DOES NOT BELONG TO ME, I WOULD LIKE THIS TO BE REMOVED PLEASE. 

NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/2019

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 2023-11-07
Company: Concerto Card Company
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My autopay was removed I found out about it when they blocked my store from receiving XXXX  payments so I called into the company on XX/XX/XXXX also in regards to several fees late fees they charged me a XXXX  lady advised me she put my autopay back on and removed late fees however she only removed one. Therefore I called again and the fee was not removed I refused to put my account on autpay at this point because I refused to pay for fees regarding a website error now I have racked up almost {$150.00} in fees alone even though I have paid on time I just refuse to pay for fees. Now they are claiming Im late anyways because the payment posted later. I used their website scheduler to schedule my payments days before the due date and if their site processes payments late that is not my problem, This is unethical and not right. I also want to say that this company engages in predatory lending on minorities and then does stuff like this. Its shameful and Im disputing these fees and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Law Firm of Katz and Associates, PLLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
the company sued me for the debt in   XXXX   XXXX   XXXX   XXXX   XXXX   on   XX/XX/2012 . an d the debt I should not be sued because I had a case in   XXXX   XXXX   XXXX   the case was   XXXX   and I had to se rve 11 months in   XXXX  an d 5 yrs   XXXX  but I violated the felony probation and was resentenced to the   XXXX   XXXX    XXXX  in the   XXXX   XXXX   XXXX   XXXX   the law I violated is   XXXX   and I had  XXXX  previous convictions so I had t he 2yr atta ched to the 3rd NSF Checks < 100.00 but >500.00 the prosecutor filed a request for a subpoena of my bank records and came a list of the checks I wrote and this check I am being or was sued for is in my felony case the   XXXX   is the civil case and should be not sued for and was  5yrs  old when that case happened and it is no w 10yrs o ld

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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 XXXX XXXX XXXX XXXXXXXX  # 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 # 2 states a consumer reporting agency can not furnish my account information without my written consent.

the first name of the debtor on this account is not even mine the amount owed on this account is not accurate with other credit bureaus every detail about this account is either false inaccurate or both.

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 2023-09-25
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reports. Unfair credit reporting can also shake people 's trust in the system. 
So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. 
These accounts are not related to any transactions made by me, the consumer.

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 2021-08-29
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal Holdings Inc.

I had been a customer of PayPal Inc for a couple years as a business account. I had several issues about PayPal 's account limitations and account freezing but I was able to solve those issues by identifying myself. 

I owned a shop called XXXX XXXX for XXXX albums overseas. On XX/XX/XXXX, I received a call from PayPal asking me too much information about my business such as : 1. How much sales do you get per year?

2. Who are your suppliers?

3. How long you been in business My suppliers don't need to be exposed because it can be used against them. They didn't like my answers and told me they will limit my account until I provide the following items 1. Proof of Fullfilment ( Which I gave ) 2. Supplier 's information ( That's none of their business ) 3. Business information ( I gave them what is public use ) PayPal Inc limited my account, took {$560.00} to place on reserve because they said this : " PayPal is holding a reserve of {$560.00} of your existing funds. This is to ensure your PayPal balance is large enough to cover any disputes or refunds you need to address. Your money will be released based on your account performance. '' It's XX/XX/XXXX and there has been no chargebacks, no refund reports, and thanks to them, I had to shut down my XXXX account because they prevented me from refunding the money they took as a reserve. 

I reported them to the XXXX and they told me I have a balance of {$500.00} that is due on a linked account I have no idea about. They refuse to release my funds until I send them a check. I shouldn't have to use my own money to pay them when they are reserving {$560.00} already on my actual PayPal account. PayPal is not a bank. They shouldn't have a right to hold funds. 

After several months in XXXX, XXXX announced a tour was cancelled and they said I will receive a refund in my original payment, which was the PayPal Debit Mastercard, but PayPal closed it. I want to withdraw the money I earned on my own before they take it from me. PayPal 's representatives are horrific. They reply the same messages on XXXX and XXXX. I can not express how terrible they are and how they are hurting small businesses and customers alike. 

I demand they release these funds and use it to pay the balance that a linked account is supposedly owed. Secondly, I want them to remove my account from limited status so I can withdraw my XXXX refund when it arrives to PayPal and permanently close my account. They held my account XXXX for too long and I just want my money back I waited since XX/XX/XXXX, which was the worst time called COVID-19 pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: NV
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 XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXXXXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
my name XXXX XXXX i see i have a collection on my credit report from midland credit balance XXXX i dont owe this company any money and i been disputing it with XXXX  and XXXX  XXXX  i want midland to delete this account from my credit report asap delete delete

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The important and pertinent information are all in the 2 attached documents. Please review the letters and act on them by contacting the credit reporting agencies poste haste. The three major credit reporting agencies, besides others, have no regard for consumer or federal laws. These goliaths are arrogant and well-capitalized and their actions or lack thereof are bordering on what can be considered evil ; their lobbyists draft bills, which later become laws, in their favor while still flouting many laws despite the fact that they were created with a great degree of unfairness to the consumers.

The three credit reporting agencies refuse to right the wrongs on my credit reports.

All I require is that the credit reporting agencies immediately delete the derogative credit/finance entries listed below ; 1. XXXX XXXX XXXX : Closed Account # XXXX 2. XXXXXXXX XXXX XXXXXXXX : Charged-off/Closed Account # XXXX and 3. XXXXXXXX XXXX : Charged-off/Closed Account # XXXX The above-mentioned ruthless credit reporting agencies are really tearing apart American families due to financial issues created by them by including outdated or incorrect credit and finance information on the consumers ' credit reports. 

I am glad that we, the American consumers, have a fine, tough and result-oriented organization like yours, the Consumers Finance Protection Bureau ( CFPB ), on our side. Thanks to the CFPB for providing us some measure of consumer protection.

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 2022-12-08
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My car was stolen in approximately XXXX of 2022 My car was recovered, however XXXX XXXX has denied the claim for no apparent reason. 
I picked up my car and had it sent to the dealership and now the dealership is refusing to cover the cost of the damaged transmission and sent me an invoice for {$15000.00} when the car alone cost nearly that much. 
I cant afford {$15000.00} for a car repair due to no fault of my own when the car was STOLEN from 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 2023-06-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act " XXXX XXXX '' with account number # XXXX, and " XXXX XXXX XXXX' with account number # XXXX, and " XXXX XXXX '' with account number # 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

Company response to consumer: Closed with explanation