BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX is repeatedly reporting inaccurate and late fees, over limit etc on my credit report - They were notified in XXXX that they were included in a XXXX  XXXX Bankruptcy and still send late notices, report inaccurate on my reports-

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 2023-08-09
Company: EQUIFAX, 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:
This is one of my multiple attempts to notify 3 credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The consumer credit reporting agencies are violating the FCRA. Pursuant to 15 u.s.c 1681a ( 2 ) ( B ), " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 u.s.c 1681 is the same as it is under 15 u.s.c 1602 ( I ), which is " the term " credit card '' means Any card, plate, coupon book or other credit device existing, for the purpose of obtaining, money, property, labor, or services on credit. '' Notice Congress said Any card. The credit card is my social security card. I used This credit card to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 u.s.c. 1681a ( 2 ) ( B ). The reporting agencies are violating 1681a ( 2 ) ( A ) ( i ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under Title 15 chapter 41. 

XXXX XXXX account number ending in XXXX balance {$1200.00} acct # XXXX balance {$1200.00} XXXX XXXXXXXX account number ending in XXXX balance {$2100.00} acct # XXXX balance {$2100.00} XXXX XXXXXXXX account number ending in XXXX balance {$320.00} acct # XXXX balance {$320.00} XXXX XXXX XXXX XXXX account number ending in XXXX balance XXXX XXXX XXXX account number ending in XXXX balance {$10000.00} acct # XXXX balance {$10000.00} XXXX XXXX XXXX  account number ending in XXXX balance {$800.00} acct # XXXX balance {$800.00} XXXX XXXXXXXX XXXX  account number ending in XXXX balance {$500.00} acct # XXXX balance {$500.00} These are violations!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: AL
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:
Wells Fargo has been charging me fees that was their fault My identity was also stolen I would like to file a complaint against them and join the class action suit

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 2023-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX XX/XX/XXXX Experian Customer Relations XXXX XXXX XXXX XXXX, TX XXXX XXXX : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Experian Customer Relations I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX XXXX have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : Experian I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Experian thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, 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 2023-08-08
Company: EQUIFAX, INC.
State: LA
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:
XX/XX/2023 The consumer noticed that the accounts appeared on their credit report and the investigation never returned the information I was requesting about the accounts. The account are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is violating my consumer right to privacy according to 15 USC 1681b 2. The company also has NO permission to report ANYTHING using my info according to 15USC 1681 4. The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these addresses. And when I challenge these addresses, its called opening a dispute. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: Experian Information Solutions 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 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 2023-03-14
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
This bank has been horrible since XXXX changed companies for their XXXX XXXX XXXX XXXX XXXX Credit Card program. Didn't get my cards on time as promised back in the fall. And now they are not fulfilling their responsibility to provide reward redemptions. 
XX/XX/XXXX I submitted requests for point redemptions on two cards. 
XX/XX/XXXX I found that my bank had received payment in pennies not in dollars- misplaced decimal points by two places!! I contacted the bank online through the account XX/XX/XXXX they responded that they are aware and are fixing the problem Today is XX/XX/XXXX and it is still not resolved. 
Due to issues in getting the cards set up in the first place the bank promised extra points for this past XXXX. Then I received a notice in XXXX that they hadn't done points correctly for XXXX and had made adjustments to correct the issue. No report was provided to reflect the mistake or the fix. The fix effectively wiped out the extra points that had been promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Westlake Services, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I got a truck from US Auto had a warranty on it truck was making loud noise took it back to us auto, told me to call my warranty number said no warranty with them that us auto doesnt have a warranty with them and warranty is false to truck to them said they fix it. Called to see when truck be ready they gave me a date call XXXX they was close down then a month later west lake calling about payment but I dont have my truck and telling me payment still need to be made. No one told me they closed down. How do I owe and my truck wasnt fix or given back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: DC
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:
I wanted to explain to you CFPB is that my credit score on EXPERIAN has no credit score, but Experian is reporting two accounts.

One loan and Secured Credit Card.

I'm getting ready to have another loan being reported.

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 2023-08-16
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation imposed on my PayPal account ( XXXX ). I firmly believe that this limitation has occurred due to an unfortunate misunderstanding or technical error. 

I would like to emphasize that, to the best of my knowledge, I have not committed any actions that violate PayPal 's policies or terms of use. I have always been committed to upholding the integrity of the PayPal platform in all of my transactions and interactions. It is distressing to me that my account has been limited, and I am left without the ability to access the services that PayPal provides. 

I kindly request PayPal to thoroughly re-investigate my case. I am confident that a closer examination will reveal that there has been a misunderstanding. If any discrepancies have been noted, I am more than willing to provide any necessary documentation or information to clarify the situation. It is of utmost importance to me to have my account reinstated so that I can resume utilizing PayPal for my legitimate transactions. 

I understand the need for PayPal to maintain a secure and trusted platform for all users, and I fully support these efforts. However, I am convinced that my account 's limitation is the result of an error or misinterpretation. I respectfully ask that you reconsider the limitation and restore my account as soon as possible. 

I appreciate your time and attention to this matter. I look forward to a positive resolution and the opportunity to continue using PayPal 's services. Please feel free to contact me at [ Your Contact Information ] if any further information is required from my end. 

Thank you for your understanding and prompt assistance in this regard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
on XX/XX/2023 I went to a car dealership to sell my car that was purchased through Capital One Auto Finance. The dealership and myself contacted Capital One to get the pay off amount and to facilitate the sell/purchase of the car to said dealership. 

On XX/XX/XXXX it was reported that my account payment was late... although we spoke on XX/XX/XXXX and sold the car to the dealership. I have contacted Capital One expressing this. Even in their OWN records it shows they deposited the payoff amount of {$28000.00} on XX/XX/XXXX - BEFORE they marked my account as LATE - of which I have never been late on a payment across the entirety of my credit profile. I mailed them, infor mation pertaining to this to no avail, so here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
I affirm that the information provided above is accurate and true to the best of my knowledge. I acknowledge that any false statements or omissions may result in legal consequences, including penalties for perjury as defined by the laws of the United States, whether conducted within or outside the country. Furthermore, I confirm my legal authorization to pursue this dispute under federal and state legislation. I know that including significant factual errors or omissions constitutes a federal offense punishable under 18 U.S.C. 1001. Similarly, making false statements is prohibited by 18 USC 1621. It has come to my attention that my Early Warnings report contains accounts in my banking credit report that are unrelated to any accounts I have personally initiated. I assert that someone or an organization has improperly utilized my personal identifying information without my consent to apply for goods, services, or financial resources. I kindly request a senior official from said company to verify, under penalty of perjury, that I have indeed obtained these fraudulent accounts. It is unlawful for these businesses to engage and include unauthorized banking accounts on my banking credit report. These actions have caused significant stress and distress for which there is no justifiable reason. I want to emphasize that I did not authorize these accounts, as they do not belong to me. I implore you to thoroughly investigate this matter and promptly remove these erroneous entries from my Early Warnings report. I implore you to please remove these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Mr. Cooper Group Inc.
State: PA
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:
Nationstar Mortgage LLC AND Mr. Cooper was involved in a data breach i also opted out of Mr. Cooper and Nationstar Mortgage LLC sharing Information with 3rd Party non Affiliates several months back in a prior complaint that they responded to and this data breach shows they are still sharing information upon my opt out they are in Violation of Thr Privacy act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) This Data breach has caused Harm to me with my personal identity and bank account information being leaked during this breach. 

Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-08-14
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
U.S auto sales sold me a car XXXX of XXXX. Ive been paying every 2 weeks and never missed a payment. Ive put in over {$14000.00} into payments for the XXXX XXXX XXXX. West Lake says I owe XXXX more for the car. My XXXX  tags lien holder is us auto sales. It is not west lake. They do not have rights to the car. Even if I pay the car off I wouldnt be able to get the title. if US auto sales filed bankruptcy I havent received the titular or anything for the car. West lake is a debt collector and Ive given them {$600.00} after I found out that my XXXX lien holder is still US auto sales. Someone needs to give me a title or give me my money back. The car was {$18000.00} how do I still owe XXXX more payments out of XXXX its a mess and I need help with this matter. The car is breaking down and I paid for an extended warranty. No one can help me with this. I tried to trade the car in and no one wants to take it.

Company response to consumer: Closed with explanation