BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: MS
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:
VIN : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} Gap Paid : {$1900.00} XXXX XXXX Showing Outstanding Principal Balance : {$8600.00} XXXX XXXX has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by 60-90 days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the 4-5 payments that were deferred. Even after XXXX and XXXX made their payments, XXXX XXXX has failed to update the account to reflect any payment received and the updated status of the account. XXXX XXXX XXXX XXXX is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.

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 2020-01-15
Company: WELLS FARGO & COMPANY
State: TX
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:
I have sent payments twice by mistake to XXXX XXXX by check # XXXX and online both for {$480.00} and both payments were posted on XX/XX/2020 sent an email to Wells Fargo bank notifying of the error and requesting to void one of the transactions since the account was overdrawn because I did not have sufficient funds to cover twice the same payment. Since I have had problems of this nature with this bank in the past I had requested a long time ago to remove the overdraft option on the checking account, and here is again they paid both payments and charge an overdraft fee of {$35.00} on XX/XX/2020 then another payment enter for XXXX of {$97.00} on XX/XX/2020 and it was paid and another overdraft fee of {$35.00} on XX/XX/2020. At this time the account is overdrawn by XXXX. 
I have sent the message online through the website as soon as I discover the 2 payments being posted to the account and until this days nothing has been done. 
Here is the message and response I got from email : " Dear XXXX XXXX : Thank you for contacting Wells Fargo. My name is XXXX, and it's my pleasure to assist you today. 

I received your email about the check and preauthorized payment made out to XXXX for {$440.00} on XX/XX/2020. 

I certainly understand your concerns and I am more than happy to review this inquiry for you. 

To investigate this charge, I have opened a claim. Your claim reference number is XXXX. Please provide this number when contacting us about your claim. 

Once the claim is resolved, if approved, you'll receive a refund for the transaction and any related fees assessed to the account. 

We resolve most claims within 10 business days. 

If we need more time to complete our research, we'll apply a temporary credit to your account. 

At this time, you don't need to take any additional action. If we need information, we'll contact you. 

You can check the claim status or cancel the claim by calling us at XXXX. We're available Monday through Friday from XXXX XXXX  to XXXX XXXX  and Saturday from XXXX XXXX  to XXXX XXXX, Eastern Time. 

Thank you for your business. We're happy to have you as our customer. 

Sincerely, XXXX XXXX. 
Wells Fargo ORIGINAL MESSAGE : -- -- -- -- -- -- -- -- - I have made a payment to XXXX twice by mistake and now the account is overdrawn both payments enter yesterday check # XXXX and payment made online, this was made in error would like on of the two reversed so the account don't be overdrawn and remove fee as well Thank you, 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 2022-02-22
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
called and sent a letter to the collections agency and the orginal creditor and the credit bureaus, item was removed in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and added back on in 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 explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
XXXX is not doing their job and removing late payments

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 2023-04-21
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date 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 submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$3600.00} XXXXXXXX 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 explanation
Consumer complaint received 2022-03-22
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Hi Sir/Madam My name is XXXX XXXX and I have Direct express card XXXX under account number that card is provide me Social Security Administration for my SSI . in XXXX of XXXX some one stole {$200.00} money from that card and it withdraw from other city there I never visit in my life. the card is with me and i memorize the pin never been share, I file dispute and bank suspend my dispute and there supervisor say we cant do any thing. my humble request is i want know we are trust on bank and for our money is hands on bank and if there system some one hack or there our money some one stole who is responsible. Its the money for my surviving please help me in this matter. I request bank and there supervisor very rudely say if want file complaint against us. I really feel helpless now and feel us as in trauma. please provide me justice. 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-15
Company: The CMI Group, Inc.
State: MO
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:
XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Certified Letter XXXX Debt Validation Letter Account Number:XXXX This letter is sent in response to after I viewed this fraudulent account on my credit profile, I immediately sent a complaint to the CFPB. 
I am requesting that you provide verification of this debt. 

Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed on the debt.

2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Details about the age of the debt and the amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 

4. Please also note whether this debt is within the statute of limitations and how that was determined.

5. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2023 TransUnion, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Charged off account and Collection account being reported on my credit MUST be removed. XXXX CFR XXXX & XXXX - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be 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 non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
FCRA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX

FCRA Violation: hard enquiries not mine
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 2021-10-14
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I started disputing with CREDIT CONTROL CORP on XX/XX/XXXX. They have never sent me any information about who they are or why they are on my credit. I have never applied for credit with them, and demanded authentication into that matter. IN XXXX I checked my credit and they ADDED a whole new account! They have never sent me any information at all. They have not responded to my requests for validation. They have added an additional account to my credit. They are repeatedly violating my consumer rights and I am very displeased about it!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX Balance Owed : {$9800.00}.

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 2023-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2022 I walked into XXXX XXXX, XXXX to finance a vehicle for personal and family purposes. Looking over my contract I have noticed that their company violated the Truth-In-Lending Act Law that should have been honored within my contract. They also violated my Right to Rescission ( 12 CFR 1026.23 ). The total sale price on the ( XXXX ) XXXX XXXX XXXX is {$31000.00} with {$1000.00}. 

I wrote a Notice Rescission of Transaction, along with an Affidavit of Truth of Deceptive Business Practice, and a hand written letter to CFO XXXX XXXX XXXX & XXXX XXXX XXXX, and I sent it Certified Mail. I made him my limited power of attorney. I gave him full power to apply the principals balance to the principals account and to communicate in writing upon the completion of the authority I gave him.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Pursuant to 15 USC 1692 G I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I don't recognize the account status, I dont recognize the account high balance, or the late payments that are associated with it. Everything here reported does not meet the FCRA Requirement. 

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 2022-11-23
Company: Experian Information Solutions Inc.
State: CT
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 a complaint against timeshare company XXXX. I spoke with their employees, who introduced themselves other than a salesperson. They started their lies by saying we are making a good financial investment and even promised re-sale value would go up. Moreover, they told us that we would actually make money from this timeshare. They offered us gifts such as discounts in parks, savings on our vacations and bonuses if we sent people with promotional codes, and other enticing things which involves earning money on the promotions platform. They made us believe that things would be positively different but each time things got worse to the point that this even created a serious hardship for us. We felt pressured when we were told they needed some sort of approval in order to grant us the deal and that it was our last chance at the lowest price being offered. They never gave us copy of any application nor did they made us aware of all the fees involved. Everything felt rushed as they have never given us enough time to read through the contract. They never gave us a copy of the contract either. We were not properly informed how cancellation process works, we didn't even know how many days to cancel. We tried requesting to cancel after a month but they told us that we could not cancel anymore, that's the only time they informed us that we only have a few days to cancel after the day we spoke with them. We experienced financial problems, husband lost his job and with too much timeshare debt due to credit card payments. We had relationship stress due to this issus because it has damaged our financial credit to acquire loans for our house. It caused us lots of stress to the point that we even lose sleep because the financial situation is not good and we have to pay for this timeshare that we can't even use. The whole process was clearly rushed because it was very fast, like they did everything for us, without giving us enough time to think or read the contract. According to them, we were going to save too much with the timeshare and they did not explain that we could cancel nor did they explain the annual maintenance for life. This has just been very stressful for us, and we were simply defrauded. This is clearly unlawful deceptive sales tactics and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 explanation
Consumer complaint received 2023-05-17
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal XXXX, I am writing to appeal the suspension of my newly created PayPal account, registered under the email XXXX. I was surprised to receive a notification shortly after registering for my account that it had been suspended. As a first-time user of your service, I have not engaged in any activities that violate your policies. 

I kindly request that my account be reinstated, as I have not had the opportunity to conduct any transactions or use any of the features of your service. I am unsure of the reason for the suspension and would greatly appreciate an explanation. 

I would appreciate it if you could review my account and provide me with a prompt response regarding its status. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation