BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Allied Consulting Services LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband, mother, and brother were all contacted looking for me. They spoke to my husband in great detail about my debt. I received a voicemail today stating that they would proceed with financial judgement and told me this would affect my ability to be employed or get a bank account. 

I closed a bank account in XXXX of 2020 with Georgia XXXX XXXX XXXX. 
Before I closed the account, I paid XXXX {$18.00} for a web subscription. 
According to Allied Consulting, the check processing company that XXXX uses, ( XXXX ) paid XXXX. They allegedly waited one week before withdrawing the funds from my account. When they tried to withdraw funds for themselves, they were notified the account was closed. Since my XXXX account was up to date, I never received notification that XXXX had not been paid. XXXX never contacted Georgia XXXX XXXX XXXX or me. They sent my {$18.00} charge into collections. 

They claimed XXXX sold this debt to Allied Consulting, and that they tried to send a letter to an old address for me notifying me about this debt. I did not receive any communication about this debt. 

XXXX from Allied Consulting stated I owed {$260.00}, but could settle today for {$100.00}. 
They threatened me and said that if I didn't pay the {$100.00}, they would file a financial judgement today and I would incur up to {$700.00} in attorney 's fees. I paid the {$100.00} to get them to stop calling my family. 

Georgia XXXX XXXX XXXX has NO RECORD of XXXX attempting a transaction from the dates they mentioned. 

My Credit Report shows no records of a debt from Allied Consulting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: IL
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:
I did not give permission for XXXX Equifax or XXXX to report Bankruptcy on my report as this is damaging my reputation and stopping me from getting any approvals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I did not give permission for XXXX XXXX or Transunion to report Bankruptcy on my report as this is damaging my reputation and stopping me from getting any approvals

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 2023-04-04
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I purchased a XXXX  XXXX in XXXX of last year and Wells Fargo said I was approved at first so I took the car home and I thought everything was fine so I paid a XXXX payment and the dealership called and told me that the bank turned the loan down but I had already made the payment.I returned the car and I called 7 or 8 times talking to a XXXX, XXXX and a few others all telling me that they would take care of it and get back to me and no one did.Every call took XXXX minutes just to try to get someone on the phone and with no luck I am trying this to hopefully get there attention.Please help me get my money back and that's all I want.

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 2023-04-04
Company: Experian Information Solutions 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 company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XXXX/XXXX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXXXXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX, XXXX. 
ACCOUNT # : 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 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX XXXX XXXX : {$0.00}.

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 2023-03-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
when i got the loan in 2016 the interest rate was around 4 % but when i got loan with wells Fargo i was charge 8.1 % interest rate for 6 years loan. i paid off loan but wants to know if anyway i can get some of the money i paid back. tries with bank but no luck. 

i am attaching wells Fargo bank 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 explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry 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
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for their failure to remove all negative accounts from my credit report. Despite my repeated attempts to dispute the installment accounts that have been reporting as late and closed, Transunion has failed to conduct a proper investigation and remove these items from my report. Moreover, they have failed to respond within 30 days of my previous disputes. 

What's more, Transunion previously removed these installment loans from my account, only to report them back on. This type of behavior is illegal, as stated under the Fair Credit Reporting Act ( FCRA ), which prohibits credit reporting agencies from reinserting previously deleted information into a consumer 's credit report without notice and a reasonable time to respond. 

Transunion 's actions have caused me significant financial harm and stress. I am requesting that Transunion immediately remove all negative accounts from my credit report, as well as provide me with an updated credit report free of charge. Additionally, I urge the CFPB to take action against Transunion for their non-compliance with FCRA regulations and their negligent behavior towards consumers. 

Thank you for your time and consideration in this matter. 

Sincerely, 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 2023-04-03
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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 2023-04-04
Company: U.S. BANCORP
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:
Although this account was closed in XXXX, the information being account delinquent is still showing on our credit reports. Per HJR 192 all Public and Private debts no longer exist and Privacy Act of 1974. We want US Bank Home Mortgage to completely remove this from our credit reports ASAP. This account is closed and paid and need the negative information removed.

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 2023-03-17
Company: Experian Information Solutions 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 student loans have changed hands several times over the years ( not by my doing ), and therefore so has payment history. This private loan is unknown to me, and no mail correspondence was sent regarding these bills. All private loans were paid in full. I would like it removed as they can not provide loan specific signature pages. I have also been the victim of identity theft and had several accounts opened in my name, so I am concerned this may be the case here as well.

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 2023-04-04
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Hello, I want to file a complaint against PayPal XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have tried to reason with the company since XX/XX/2023 to XX/XX/2023 with no resolution. 

The Details : The company decided to permanently limit my account with no reason or explanation I use the account mainly to pay vendors ( i.e. XXXX, XXXX, XXXXXXXX XXXX, etc. ) I have never used their services to operate a business I have sent and received money for an occasion sale of a used/personal item or service on rare occasions as I have the last 19 years The company started to offer XXXX services as of XXXX, I invested some money to XXXX using their services. 

The Issue : Theres about {$1700.00} worth of cryptocurrency invested in my PayPal account that is locked up. I am unable to sell in an event that crypto starts to devalue ( due to volatility, especially in these times ). Moreover, based on research on various forums such as reddit, there is a likelihood that PayPal wont be returning my money after their excessive and abusive 180 day holding period on funds. Please, I would appreciate some assistance in this matter. I would like my funds to be returned to me as soon as possible. Their reasoning to hold funds is for chargebacks or issues with my buyers. This is entirely false because I do not operate a business or sell as mentioned above. The company has refused to acknowledge this. 

Examples of others going through the same : https : XXXX https : XXXX https : XXXX Screenshot of my PayPal Account XXXX : https : XXXX Youll see I merely use their services to pay vendors. I do not sell. 

I would like some assistance in this matter. It is very frustrating to realize my money is potentially lost, and I am still in disbelief this is coming from a legitimate company. Had I known PayPal to be unfair, unprofessional, and inconsiderate, I would have not invested crypto with them to begin with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : ALLY FINANCIAL is willfully and knowingly violating my rights. I have not consented to my personal information being shared. This corporation has shared my non- public information and reported my credit worthiness. They submitted multiple late payments and reported a delinquent account on my consumer report to XXXX XXXX XXXX XXXX XXXX I did not receive my 3 disclosures that allows me to OPT-OUT. On XX/XX/2023, I contacted this Corporation and was transferred to a line that prompted me to answer 3 questions. After I answered NO to every question, the corporation still dishonored my request. I submitted a letter to the corporate address and have not received a response to my request. I am not belligerent. I just don't want to jeopardize my ability to purchase a home for my family. I am in the process of moving and this is really a form of defamation of character. I demand this be removed.

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 2023-04-03
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I received two texts, two different debit amounts that are trying to post to an account PNC. I do not have PNC account. The phone numbers used XXXX and phone XXXX. Urging to call and verify if transaction is okay to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-03
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have called all bureas, and my report was supposed to be sent it's over a month, and I still haven't received my credit report. 
I attached my XXXX XXXX XXXX and proof of address I never applied for credit Please send me my credit reports 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 2024-01-13
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My moving truck was stolen My identity and name have been used fraudulently Police reports court documents as I am seeking prosecution- holding back for me a mortgage loan rapid rescore - XXXX removed XXXX removed - XXXX  has not It is making me not be able to get a first time homebuyer down payment assistance- XXXX points- police reports court documents of prosecuting individuals and listed in court documents what they did Not fair I need this removed now- It is not my acct Credit acceptance

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have called all bureas, and my report was supposed to be sent it's over a month, and I still haven't received my credit report. 
I attached my XXXX XXXX XXXX and proof of address I never applied for credit Please send me my credit reports 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 explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: TX
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:
Upon doing a status check, on my credit report today ( XX/XX/23 )! I was very disturb, and outraged that Equifax had ; the audacity to punish me, and down grade my XXXX Score for, no eligiment reason whatsoever! If lowering my balances are so wrong, then I don't want to be right! Doing such thing shouldn't never leads : to being corrected, chastised, punished, reprimanded, treated unfairly, and or any differently from other consumers! Mind you, the current acct, that caused those fools ; to do such thing, happens to be the same acct ( XXXX ), Equifax took all evening, updating my balance status!! I'm sick, and tired of Equifax, as well as XXXX conspiring against me : in an attempt to do the following : bring/cause much harm, and damage control to my credit report, scores, myself personally, and more certainly to my health! Why history has to keep, constantly repeating itself???

Company response to consumer: Closed with explanation