BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-12
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I received harassing calls from XXXX XXXX asking me to contact PayPal for charging amounts using my telephone #. I did opened an account with PayPal and closed it but the business account was opened which I never used or complete. Somehow my information was compromised and given consent by someone to use my account. I did reached out to XXXX XXXX about PayPal and was told PayPal cancelled my claim. I contacted PayPal and was given the runaround as of XX/XX/XXXX. I reopened an account with PayPal hoping I could find out who is using my account. I did download some activities and saw a recent activity by XXXX. I have no ideal about this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX  Balance {$2800.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX Balance {$85.00} Date Opened XXXX XXXX, XXXX THIS IS NOT MY ACCOUNT " Validate Account '' XXXX XXXX XXXX XXXX {$9000.00} Date Opened XX/XX/XXXX THIS IS NOT MY ACCOUNT " Validate Account ''

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 2020-04-12
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XX/XX/2020 I paid off, in full a car loan # XXXX. At the day of pay the bank tells me giving up my title in 30 days. I call a few times to resolve this matter, but I can't receive any documents, letter or a simply call from First Bank Puerto Rico. I don't pay any fees for unreceived documents. I wish a penalty for irresponsible handling of my documents, I'm paying for my loan and I need my title 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 2020-04-12
Company: Experian Information Solutions Inc.
State: AZ
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-04-12
Company: EQUIFAX, INC.
State: AZ
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a request to Experian in XXXX, asking them to investigate errors on my credit report. I have sent several follow-up letters to them, but I have yet to get a response.

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 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have some addresses showing on my credit file that I never lived at these locations. My name is XXXX XXXX XXXX my DOB is XXXX My SS # XXXX. 
My only address is XXXX XXXX XXXX, XXXX, OH XXXX please delete remove any other address there are not mines nor are the previous addresses of mine : XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like to request a security freeze on my credit profile. At this time due to some activities that I do not recognize on my credit file 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 2020-04-12
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: Old information reappears or never goes away

Complaint:
To Whom It May Concern, I was recently looking at my credit score on XX/XX/2020 on XXXX I noticed there was an inaccurate report on my file and I wanted it removed from all the credit agencies as this was already handled in collections. I had paid this company XXXX off in full. I believe it was XXXX XXXX XXXX. Either way this was all taken care of back of and paid in full. They had agreed to remove this entire account from my credit report as I paid In full with the understanding that all this would go away. That was the way they explained to me. I am getting it with countless late fee 's that I shouldn't be hit with since this account is suppose to be removed from my report. I have called the company a few times and they have admitted it should be off my report. So I am unsure as to why it is still on my credit file. On XX/XX/2020 I called the # on file and they said I should report to each credit agency directly. I am hoping you guys can help me out under the fair credit 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 2022-10-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: ALLY FINANCIAL 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:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

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 2020-04-12
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: Their investigation did not fix an error on your report

Complaint:
This is in relationship to the recent claim XXXX. I forgot to attach pertinent files showing that XXXX  XXXX XXXX recently reported that I had two additional missed payments in XX/XX/XXXX and XX/XX/XXXX in-spite of the fact that I paid on time accordingly and I am on a hardship program with no late fees nor deadline restrictions for monthly payments as long as it is paid within the 30 day mark. I have also noticed that they have aggressively targeted me as a point of retaliation and have gone ahead an illicitly closed my account. The number of delinquencies need to be investigated and expunged from my credit report. Thus, the comment below from their XX/XX/XXXX is false. 

" We have determined with our research that there has been no error in the reporting or handling of your account. The account became past due as reflected on the enclosed monthly billing statements ; therefore, the delinquency that is reported on your credit file for XX/XX/XXXX and XX/XX/XXXX is valid. Additionally, we have confirmed the account has not been reported 60 days past due as of the date of this letter. XXXX  XXXX XXXX doesn't manage your Fair Isaac Corporation (  FICO ) score and you would need to contact the national credit reporting agencies for information regarding your score. '' Why would the bank take up so much time to report to this particular issue? Whereas, if a client misses a payment and pays within 30 days or before 60 days, their account is reported as delinquent and their credit worthiness is ruined for 7 years. They refused to honor my goodwill letter last year and have gone ahead and further damaged my credit leaving me without the ability to borrow or finding suitable employment. Now I have to remain abroad for seven years to find work. This is an unfair mistreatment.

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 2016-11-01
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland 's representative contacted me from number XXXX. He advised I owed a debt that has already gone beyond a 7 year period and charged off. The company reached out to my private cell number without authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a Wells Fargo checking, savings and business checking account. I want to complain about Wells Fargo 's manner of charging outrageous fees one on top of the other, in order to get more fees than they are supposed to collect for a balance overdraft. Additionally, I went to change my " overdraft protection plan '' several weeks ago and the website acted like it changed it but never did, so I received more overdraft fees ( I tried to make it so that when you use the debit card, it simply would not go through, rather than go through for a XXXX dollar purchase, triggering a {$35.00} fee, for example ). It also seems like money went missing from my personal checking account on several occasions, but i ca n't seem to track down exactly what happened. i do n't believe it 's fair to charge over XXXX in fees for a few small transactions that went under XXXX, especially when I 've been a customer for a long time and always refresh the account so when on occasion it dips low, it does not stay that way for long. I 'm out of work and looking for a job, so theses fees have caused me to not even be able to purchase food or gas for my family.

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 monetary relief
Consumer complaint received 2020-04-12
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: Old information reappears or never goes away

Complaint:
To Whom It May Concern, I was recently looking at my credit score on XX/XX/2020 on XXXX I noticed there was an inaccurate report on my file and I wanted it removed from all the credit agencies as this was already handled in collections. I had paid this company XXXX  off in full. I believe it was XXXX XXXX XXXX. Either way this was all taken care of back of and paid in full. They had agreed to remove this entire account from my credit report as I paid In full with the understanding that all this would go away. That was the way they explained to me. I am getting it with countless late fee 's that I shouldn't be hit with since this account is suppose to be removed from my report. I have called the company a few times and they have admitted it should be off my report. So I am unsure as to why it is still on my credit file. On XX/XX/2020 I called the # on file and they said I should report to each credit agency directly. I am hoping you guys can help me out under the fair credit 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 2016-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i sent a removal of credit inquiries to all XXXX credit report company 's on XXXX/XXXX/16 and i was advised that they could not remove the inquires.

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 2020-04-12
Company: EQUIFAX, INC.
State: NC
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 am trying to get my free credit report from equifax but i am not able to access it I tried to create an account on my.equifax.com but i just keep getting this : Please give us a call We can't complete your request at this time. 
Please call the Customer Care team I called and no one even picked up. 

so then i went to XXXX and entered all of my information and it ended up giving me this : " We are not able to deliver your free Equifax Annual Credit Report online. '' i've tried accessing it a few times over the last couple years and always get these errors, it's become unacceptable to me how unnecessarily complicated equifax is compared to the other 2. 

I have a small medical debt to dispute on equifax ( it was paid off so its an error ) I did not have these problems when using XXXX or XXXX and they were able to remove the debt off their reports within a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: EQUIFAX, INC.
State: GA
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:
Since the Credit Reporting Agencies have not been swayed by the evidence I have provided demonstrating that the  XXXX   XXXX   XXXX   XXXX   XXXX  has failed to comply with Federal Law in its handling of the debt assigned to it by  XXXX   XXXX   XXXX  that the debt is therefore invalid and to remove it from my credit file accordingly, I am now following up with additional documentation proving that the  Collection Agency & Creditor  have also failed to comply with Florida Statutes, thereby further invalidating the debt. According to Florida  Statute 83.49 ( 3 ) ( a )   ( www.leg.state.fl.us ) : " Up on the vacating of the premises for termination of the lease, if the landlord does not intend to impose a claim on the security deposit, the landlord shall have 15 days to return the security deposit together with interest if otherwise required, or the landlord shall have 30 days to give the tenant written notice by certified mail to the tenants last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim ... .If the landlord fails to give the required notice within the  30-day p eriod, he or she forfeits the right to impose a claim upon the security deposit and  may  not seek a setoff against the deposit but may file an action for damages after return of the deposit. '' As indicated in the attached official Confirmation of my address change from the United States Postal Service, my mail was forwarded from the address specified in the fraudulent itemized bill from  XXXX   XXXX   XXXX  as of   X/XX/2016    . Moreover, I was signed up for automated notification of any mail sent to me that might include tracking information, as is the case with Certified Mail, until after I moved to my new apartment in  XXXX   of 2016. Hen ce, if the creditor had indeed fulfilled its obligations under Florida  Statutes  to send notification to my last known address of its intent to impose a claim on my deposit via Certified Mail, I would have either received the notice at the residence specified in m y USPS change of address Confirmation ( my grandmothers ) or I would have have been notified about it by the USPS via text and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
i have many inquiries on my credit file that i did not authorize. on my experian report there are XXXX reportings from XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX i contacted XXXX and they confirmed that i did not make these inquiries - i 'm attaching the letter of confirmation in this complaint

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 2021-11-12
Company: Continental Finance Company, LLC
State: RI
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:
Credit card company report of non payment to credit bureau due on XXXX XXXX 2021 to drop XXXX credit score points when in fact the account was so current there were new balance of {$0.00} and minimum payment of {$0.00} on XX/XX/2021 statement. I have called customer service and they admitted it was an error. To resolve this they can not do anything but ask me to file a complaint

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 2017-09-12
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
Non compliance with FCRA and XXXX XXXX compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In preparation for potential reductions in the workforce due to the Coronavirus, I contacted the local First Virginia Loan office on XX/XX/XXXX @ ( XXXX ) XXXX to offer {$500.00} to pay out my account. Unfortunately, the Office Manager, XXXX denied my request indicating I would have to pay {$1000.00} to settle the account ; this information was passed to me from Front Desk Staff ( XXXX ). 

To add additional context, In XX/XX/XXXX, First Virginia approved me for a loan in the amount of {$1000.00}. Over the last 13 months, I have paid First Virginia {$2700.00} and the current balance is {$1100.00} which is greater than the initial loan amount. 

My objective is to settle open accounts with creditors while I have funds available. Given the amount I have paid to First Virginia Loans through XX/XX/XXXX in addition to the above mentioned balance, I would like to identify options to get out of this money trap.Otherwise, payments may cease due to bankruptcy should the Coronavirus continue to impact the economy. I have made an attempt to pay off my account within reason to no avail. 

I understand I signed the loan and ultimately responsible for the debt however, I'm starting to feel a sense of Corporate Greed. Given the downturn of the economy, What happen to Business Ethics? Lastly, I submitted a {$50.00} dollar payment on Friday XX/XX/XXXX and would you believe XXXX has called me on Friday ( After Payment was made ), Saturday, and XXXX XXXX. I am very frustrated with issue. 

First Virginia Loans Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation