BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022 I SUED EQUIFAX IN SMALL CLAIMS COURT. EQUIFAX DID NOT RESPOND OR APPEAR IN COURT. I WON THE CASE BY DEFAULT. EQUIFAX WILL NOT PROCESS MY DISPUTE FOR UNAUTHORIZED INQUIRIES DUE TO IDENTITY THEFT, NOR WILL THEY REMOVE COLLECTION THAT I DISPUTED. I AM A VICTIM OF IDENTITY THEFT. I HAVE SENT THEM MY DISPUTE VIA OVERNIGHT MAIL, ALONG WITH MY ID, SOCIAL, AND PROOF OF ADDRESS. TO DATE, EQUIFAX HAS NOT RESPONDED OR RESOLVED THIS MATTER. I NEED THE COLLECTION FROM XXXX XXXX XXXX REMOVED IN THE AMOUNT OF XXXX AND ALSO THE FOLLOWING INQUIRIES REMOVED. ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, ) immediately. EQUIFAX CONTINUES TO VIOLATE MY RIGHTS AS A CONSUMER AND THEY REFUSE TO ACKNOWLEDGE THEIR WRONG DOING. I HAVE ATTACHED PROOF OF JUDGEMENT FROM COURT AND MY MOST RECENT DISPUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: FL
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:
The following account and inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
ACCOUNT : XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, this complaint is not made in error nor 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 account. 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. Please delete the account below from my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-23
Company: Experian Information Solutions Inc.
State: CA
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-08-10
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal 's new " pay in 4 '' option. 

I have had several instances of making payments and then returning the materials so my money is refunded. Although I can see that the company has refunded the money to Paypal, they only show a " refund pending '' balance in my account for weeks or sometimes MONTHS. I have been unable to actually get my refund until I speak with 5-10 customer service representatives and/or file a complaint with the local Better Business Bureau. This has happened to me now on four separate occasions. I believe it is purposeful on their part.

I'm attaching the latest one, refund sent by the company on XX/XX/XXXX, but it's still showing as " pending '' in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried multiple times to reach out and try to retrieve information regarding this debt. I have sent a NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM letter to the company on Tuesday XXXX XXXX XXXX Tracking number for the registered letter that was sent out to the company XXXX XXXX XXXX Today, Friday XX/XX/2023 I have yet to receive any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 addressed to XXXX and TransUnion Credit Bureaus on XX/XX/XXXX requesting that they verify the validity of these inquiries and remove them from my file if the Credit Bureaus can not verify these inquiries. Upon Checking my updated Credit Report, It is clear that the XXXX and TransUnion Credit Bureaus did not comply with the requests. I thought that this matter was already taken care of due to multiple letters I have been sending to the Credit Bureaus, but I was proven wrong when I received my Credit Report for this month. Again, I was a victim of identity theft and these inquiries are the result of such crime. I am submitting this complaint to request the XXXX and TransUnion Credit Bureaus to remove the disputed inquiries from my Credit file : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-03-12
Company: Experian Information Solutions Inc.
State: CA
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:
Account Number XXXX XXXX, XXXX AND EXPERIAN continues to report INACCURATE and UNVERIFIED balance on my Credit File. ACCOUNT # XXXX -- -- -I DO NOT OWE THE CREDITOR THE AMOUNT YOU'RE REPORTING THIS IS FRAUD!!!! The BALANCE IS A COMPLETE FRAUD!!! UNJUSTIFIABLE, UNVERIFIABLE, UNQUANTIFIABLE, NO PROOF This account HAS NOT BEEN PAST DUE FOR 60 months and the Balance is WRONG Account Number XXXX NEEDS TO BE DELETED from my Credit File BALANCE IS WRONG, DELETE FROM MY CREDIT FILE, ACCOUNT IS MORE THAN 7 YEARS OLD YEARS AND THE STATUE OF LIMITATION HAS EXPIRED The balance on this account is WRONG and a COMPLETE FRAUD XXXX, XXXX AND EXPERIAN continues to VIOLATE the Fair Credit Reporting Act

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 2023-12-07
Company: Equity Auto Finance, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
I am writing to file a formal complaint against Equity Auto Finance Inc., outlining a series of concerns and potential violations of consumer protection laws. I trust that the Consumer Financial Protection Bureau will thoroughly investigate these matters and take appropriate actions to address any potential misconduct. 

Summary of Complaint : 1. Unauthorized Repossession : Equity Auto Finance Inc. repossessed my vehicle, XXXX XXXX XXXX, on XX/XX/XXXX, without proper adherence to Florida Statutes, Section 537.013, governing title loan agreements and repossession procedures. 

2. Lack of Compliance with Florida Laws : There are indications that Equity Auto Finance Inc. may have violated various provisions outlined in Florida Statutes, Section 537.013, specifically., ( a ) Falsifying entries in a title loan agreement; ( k ) Refusing to accept partial payments ]. 

3. Failure to Respond to Correspondence : Despite multiple attempts to communicate my concerns and seek resolution through formal letters, including a Notice of Intent to Redeem and Demand for Vehicle Retrieval , Equity Auto Finance Inc. has not provided satisfactory responses. 

4. Potential Violations of Consumer Rights : There are concerns that Equity Auto Finance Inc. may have infringed upon my consumer rights, including the right to fair and transparent dealings, the right to redeem the vehicle, and the right to partial payments as outlined in relevant Florida laws. 

5. Request for Investigation and Remedial Action : I respectfully request that the Consumer Financial Protection Bureau conducts a thorough investigation into the actions of Equity Auto Finance Inc. and takes appropriate remedial actions if violations of consumer protection laws are found. 

6. Desired Resolution : My primary goal is to seek a fair and just resolution to this matter, including the proper release of liens, the return of my vehicle, and any necessary corrections to the title loan agreement. 


I appreciate the attention of the Consumer Financial Protection Bureau to this matter and look forward to a prompt and comprehensive investigation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$3800.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; ( Original Creditor : ) XXXX XXXX Balance XXXX {$35.00} ; ( Original Creditor : ) XXXX XXXX Balance : {$33.00} ; ( Original Creditor : ) XXXX XXXX Balance : {$35.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
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: Their investigation did not fix an error on your report

Complaint:
I contacted the debt company of this unknown charge and they removed off of XXXX only and not the other bureaus. I have no idea what this charge is for or who this company XXXX XXXX is. I do not owe this really high debt. They sent an invoice with zero explanation what this is and what it is for. I've had no business dealings with this company. This has caused me to be denied and causing me financial hardship. If this does not get removed asap I will have to seek legal action for all those involved. 

ACCOUNT : XXXX NAME : XXXX XXXX XXXX : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Chexsystems has failed to properly investigate an account listed on my report from XXXX XXXX. I've sent Chexsystems a copy of the police report to indicate I've been a victim of ID Theft. They originally told me that they would block the fraud account from my record but failed to do so. 

I feel very discriminated from chexsystems and felt like I've been unfairly scrutinized and mistreated from chexsystems.

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 2023-12-07
Company: WELLS FARGO & COMPANY
State: MS
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 Had taken back a provisional creit after a police report was shown.

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 2022-12-20
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX  I applied for a deed in lieu of foreclosure with Wells Fargo on my home loan. They approved it and gave us a date for move out. We cleaned property and moved out. They then foreclosed instead declaring the property abandoned. I consulted an attorney who wrote a letter but then he wouldn't take the case any further after their response. I read about you settling a case with them over these same issues. I feel I am owed something for them ruining my perfect credit and basically lying and being devious to get me out of my home which I had tons of equity in. The lawyer was XXXX XXXX. They claimed there was a lien on the property and that's why they couldn't do the deed in lieu. But when I bought the property it didn't show up on the title search. Basically Wells Fargo fraudulently took my property in foreclosure. I have copies of title insurance form and lawyers letters. Please help.

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 2022-07-23
Company: Experian Information Solutions Inc.
State: CA
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:
Upon reviewing an updated copy of my Credit Report, I am appalled to see my Credit File with no Changes at all despite all the letters I have been sending to them. The last letter I sent to the Credit Bureaus was dated XX/XX/XXXX with complete attachments of my Personal Information. I have read that the Credit Bureaus are required to remove any account and information resulting from the Identity theft. But I see here that despite all my efforts to inform the Credit Bureaus of my status, the Credit Bureaus took no action at all neither responded to my letters. I am now submitting this complaint to remind the Credit Bureaus of their obligation to comply with the FCRA section 605b and remove the disputed items completely from my Credit Report. I need the following items removed from my Credit File now : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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 2022-03-12
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Had my credit ran to obtain car loan XX/XX/22 and a XXXX debt appeared on my credit report. I do not have a XXXX account or debt. My cellphone has been provided through my employers for past 18 years. I have filed a dispute with XXXX. XXXX is down for maintenance. XXXX wants money for credit monitoring. I just want this fraudulent report off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
Attached please find the important information pertaining to my case. 
NOTICE : Please be advised that I am not represented by XXXX XXXX XXXX XXXX in XXXX XXXX, CA. I have no legal representation in California. 

1. On XX/XX/XXXX, I purchased a XXXX KIA XXXX XXXX # XXXX at KIA of XXXX, CA. I requested for a trade in with my XXXX KIA XXXX XXXX # XXXX for another KIA vehicle but they refused to do so. 

On XX/XX/XXXX, I contacted KIA Finance America to request early termination of my XXXX XXXX XXXX XXXX. They said it was allowable for me to do so and surrender the vehicle to any KIA dealership such as the KIA XXXX in California in which I did. 

KIA Finance America is charging me {$14000.00} for Early Termination Fee. 

2. On XX/XX/XXXXXXXX  I was involved in a very serious car accident wherein a big rig truck side swiped my XXXX XXXX causing it to be totaled. I still suffer from injuries and discomforts from the accident. KIA Finance America was paid the totaled car value by my XXXX XXXX XXXX in the amount of {$25000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My bank provides me weekly credit score updates from Transunion and said my score dropped XXXX points in a week and when I checked the report it said it was a new account listed. I tried to chat with Transunion to dispute explaining I am only an authorized user on the new account and my permission was never given for my report to be checked and they told me that even though I am only authorized user It affects me and my score just like a new account would though I never authorized my credit to be checked or effected. I tried saying my other accounts where I am only authorized do not impact my score as they are very high limits it would greatly increase my score but they didn't want to listen.

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