BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: PlusFour, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is from XXXX XXXX I have never lived there. When I asked for proof of vaildation they ( Plusfour ) sent me a something that looks like it was written up on a spread sheet and some items on it was blacked out, while others were highlighted. When I tried to call to speak to a representative they told me they couldn't speak to me that they didn't have a license to collect debt in North Carolina. They told me that they had to send this to their sister company in South Carolina. When I sent a certified letter to them asking for proof my letter was returned to unknown sender. This has been on my credit report for a while and I have bee trying to get to the bottom of this to no avail. I purchased a car in XXXX last year and this has hindered my rate on my car purchase. First they told me the balance was XXXX and now its reporting XXXX, If I'm not mistaken I do believe they are violating state and federal laws by trying to collect more than what is owed according to information I have found on the website.

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 2023-07-31
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference,

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 2023-07-14
Company: HYUNDAI CAPITAL AMERICA
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: Credit inquiries on your report that you don't recognize

Complaint:
This dealership XXXX Hyundai ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase onXX/XX/XXXX, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from Hyundai Motor Financing and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. 

After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.

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 2022-10-15
Company: EQUIFAX, INC.
State: NY
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:
This creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent in a dispute letter to Transunion Disputing INACCURATE information that is being Furnished on my credit report, I didn't get a response & now I feel very frustrated with their efforts. I even called to get an update on the status of my disputes with still NO response from the company. 

The following Innacurate Accounts are INACCURATE. 

XXXXXXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXX XXXX XXXX ACCT # 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 2023-10-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Identity Theft Victim. An unknown person used and obtained credentials on Paypal using linked credit Cards to bypass the system, create an account, and make purchases totaling {$3500.00}. My only account on PayPal is XXXX. Someone stole my info from PayPal and got access to my cards on their system. Terrible service to have your cards on. I would like my money refunded from the hacker 's account. I have already filed a police report and spoken to PayPal but their customer service team does not speak English and will not help me solve the issue. These transactions are unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: WELLS FARGO & COMPANY
State: WI
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:
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from a local dealership. My loan was with Wells Fargo. At the time I signed loan paperwork, I was informed by the dealership, and by language in the loan paperwork itself, that I was obligated to maintain comprehensive and collision insurance on the vehicle. I asked the dealership for further details, ie, required amounts of coverage or deductables, and was told to contact Wells Fargo. 

On XX/XX/XXXX, I contacted Wells Fargo by phone with three inquiries -- was I required to maintain comprehensive and collision insurance on the vehicle under the terms of my loan agreement, if so, was I required to maintain a specific deductable or range of deductables, and finally, if there were any other forms of coverage I was obligated to carry. I was told for around and hour and a half, by a string of people that they could not answer those questions. Eventually I was directed to someone who informed me that it was no longer Wells Fargo 's policy to inquire as to insurance coverage, and that they did not purchase forced placed insurance if they did become aware that a loan customer did not have collision or comprehensive insurance. 

I asked for this in writing, as it seemed to contradict both what I was told, and the language of my loan agreement. I was told the only way i could obtain that was to write in by snail mail or to fax them a communication requesting that information. 

I might flatter myself by saying I'm a sophisticated consumer -- I'm an attorney, and reasonably educated and aware. I'm aware Wells Fargo recently settled a large class action suit related to their practices regarding forced placed insurance. 

Their behavior here seems like an attempt to hide what they are genuinely obliging their consumers to do by signing their loan documents, and then erecting hurdles to obtaining meaningful clarification. I'm sorry, it's XXXX. No one should be expected to write in by snail mail or fax.

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 2022-12-05
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted A complaint with this company back in XXXX. They responded to the complaint stating I insurance A XXXX XXXX and A XXXX XXXX  which is incorrect. As stated prior I have NEVER had insurance with progressive insurance and these vehicles where not mine as I was A victim of identity theft which is a ongoing matter TODAY. This company ASSUMED these fraudulent accounts belonged to me when I am In data base showing as A ID fraud victim. H They have knowiny broken multple laws and violated my rights as A consumer. They failed to validate the debt within 30 days and although in the last complaint they said they would send validation they sent what would be considered in court as verification. They sent A billing statement which in no way shows I opened this fraudulent account. Again, I am requesting all credit reporting be removed and I will be moving forward with civil court to address this business as A whole. I have made it clear this account did not belong to me, Ive also never recieved debt validation nor do they have any proof that this account was indeed opened by me. When i spoke to progressive I was told the accounts where open online and they where unsure who opened the account and I have that on recording to play in court. This company will be sued if they fell to remove all of this inaccurate reporting ASAP!

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 2023-07-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loans were serviced by FedLoan, the former loan servicer of the Public Service Loan Forgiveness ( PSLF ) program. I was accepted into the PSLF program in XX/XX/XXXX. My student loans were transferred from XXXX XXXX XXXX XXXX to FedLoan. In XX/XX/XXXX my loans were discharged because of meeting the 120 payments. Before the loans were discharge, I requested that all my payments made during the COVID19 period be refunded to me. The request was made in XXXX of XXXX from the FedLoan servicer. This includes payments that I made to XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The amount I'm to be refunded is {$15000.00}. On XX/XX/XXXX I tried to confirm when I would receive the refund. When I went to login into the FedLoan website I was redirected to the Federal Student Aid ( FSA ) site. After speaking with a customer service representative at XXXX, the current loan servicer of the PSLF program, and Federal Student Aid I learned my case has been closed due to my loans being discharged and XXXX. I placed a complaint on XX/XX/XXXX the Federal Student Loan  is Feedback Case XXXX  XXXX. The case is still pending. I have placed repeated calls with FSA and have not received a callback. I have called FSA on the following dates below and have not been able to get the problems resolved. I have been given the wrong information or promised a callback from a manager. I also complained to the FSA Ombudsman group and never got a callback. 

XX/XX/XXXX submitted feedback complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I initially found out that I had a debt that went to collections after it had already ended up on my credit report. I immediately looked up the phone number to Conserve and contacted them when I saw it listed on there. I also paid this debt immediately. My husband and I asked them why I had not received any communication about this debt and their response was that they werent ever able to get ahold of me and they arent allowed to leave a voicemail ( company policy based on a law about being leaving information about debt on a voicemail ). It would have been appropriate to AT LEAST leave a voicemail to request a call back. I would have also appreciated a notice in the mail, but I never received anything in the mail. I was given an address over the phone that was several years outdated. It is unfair to me that I was NEVER made aware of this debt and wasnt allowed the opportunity to pay it immediately when notified of it. I work for a XXXX  XXXX, so I do not answer phone calls from unknown numbers. However, I will call them back if they leave a voicemail and I know that theyre legit. This is unfair practice and I want Conserve to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions Inc.
State: NY
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:
onXXXX i sent letters to experian, XXXX and XXXX  disputing some fraudulent accounts and billing errors on my report, i asked them to verify these fraudulent accounts and billing errors on my report. 
Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that experian, XXXX and XXXX post on a credit report. Otherwise anyone paying for experian, XXXX and XXXX reporting services could send in a fraudulent account. Also under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave experian, XXXX and XXXX any written consent to report anything on my consumer reports no consent is FRAUD .I demanded to see verifiable proof with my signature on a contract and written consent I gave experian, XXXX and XXXX XXXX report these account listed below on my consumer report. 
experian, XXXX and XXXX did not send me proof with my signature or verify the accounts and billing errors listed below in 30 days. since they didnt experian, XXXX  and XXXX  must delete The following accounts and incorrect billing errors on my report 1.XXXX XXXX. Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also XXXX XXXX XXXX arent licensed as a collection agency in the state of new york so they have no right to report on my report or try to collect debt. Cease and desist. 

2.XXXX XXXXXXXX Account Number XXXX XXXX I did not give permissible purpose to this creditor I never had was late on XX/XX/XXXX or XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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 noticed this problem in XX/XX/2022 " 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

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 2023-07-14
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
U.S. Bank continues to violate the 2022 Enforcement Action of the CFPB. Today I received an email from U.S. Bank stating, " Your XXXX checking e-statement is ready. Your statement for the account ending in XXXX is now available. To view your e- statement, log in to your account. '' To my knowledge, I have never had a checking account with them. This seems to fit your Enforcement Action in which U.S. Bank opened an unwanted account using my personally identifiable information they had back from when they were the processer for an XXXX Master Card I had. I logged in to today 's email using the old login information for the credit card. This pulled me up in their system. I called U.S. Bank today and was transferred to their XXXX Department with which I was on the phone for some time. They could offer no explanation and did not deny it seems to violate the Enforcement Action for a practice you have also caught XXXX and XXXX XXXX. There seems to be no honor among thieves. The Security Department recommended I visit a local branch office ; the same place the bank was found to be incentivizing employees to open sham accounts...

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 2023-05-15
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: Information belongs to someone else

Complaint:
I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief