BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, I contacted Venmo on XX/XX/22 to let them know they had someone's Venmo XXXX XXXXXXXX XXXX XXXX XXXX for me to access and use attached to my Venmo account. I accessed the app to send money to a friend and noticed this and called immediately to notify them of this at XXXX and was told that I reached the credit card company and was told I needed to contact Venmo directly at XXXX. I then contacted that number to notify them. I was told that a case had been filed and escalated to have the issue corrected. I was contacted by Venmo via email asking for additional information and account verification. I sent them a selfie of myself holding my XXXX XXXX XXXX, a picture of the front and back of my drivers license and emailed it back to them. I was told it was received and that they had corrected the issue. It has been over a month with numerous attempts to have this issue corrected and this persons XXXX XXXX XXXX XXXX still attached to my Venmo account in which I could activate and use at any time. This is completely unacceptable. I should not have to go through this to get someone that has nothing to do with me off my account and the poor person that has the credit card. What if I was a criminal and decided to use this card or XXXX XXXX I would be XXXX if my information was out there like that provided by a company that I entrusted to keep my information safe. Please can you help in any way or guide me to someone that can? Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've called 4 credit bureaus including the three main ( XXXX, XXXX, TransUnion and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated.

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 acordance with the fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions

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 2022-09-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for one personal loan and received multiple hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge. 

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 2022-12-02
Company: Consumer Portfolio Services, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The interest on my loan is way overstated. I have had a auto loan that did have an extension due to XXXX. 
The original loan was for {$28000.00} at 17.45 %. 
Several time during the loan, the entire payment was placed in to Interest. The payment before and after looked normal.

I believe this loan was paid off months ago but I had a lot of trouble getting the detail from them to look at.

Example ; My Payment is XXXX on XX/XX/XXXX {$150.00} went to interest and {$480.00} went to principal. 
My next payment the entire XXXX went to interest. 
XX/XX/XXXX my entire payment went to interest when the split On XX/XX/XXXX had {$48.00} going to interest and {$580.00} going to principal. 
All of the payments below went to interest and not principal. Thus the next payment I was overcharged in interest because the principal never reduced. 
XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} I was given a few extension during COVID and although the claimed I would not be charge late charges ( some were reversed and some were not. 
I want the late fees waived and {$5100.00} applied to my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: EQUIFAX, INC.
State: PA
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:
According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions 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:
I am writing to file a formal complaint against EXPERIAN ( hereinafter referred to as " the Agency '' ) for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and their refusal to remove an unwarranted charge of {$480.00} for an apartment that I moved out of and always paid rent for from my credit report. Identified as XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Pursuant to the FCRA, 15 U.S.C. 1681 et seq., the XXXX has a legal duty to take reasonable steps to ensure that the information contained in my credit report is accurate and fair. The inclusion of this unwarranted charge in my credit report constitutes a violation of my rights under the FCRA, specifically 15 U.S.C. 1681e ( b ), which requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Furthermore, the FCRA also gives me as a consumer the right to dispute any inaccurate information contained in my credit report, 15 U.S.C. 1681i, and to request that the information be corrected or deleted. I have exercised this right by demanding that this charge be removed from my credit report, however the agency has refused to do so. 

In light of these facts, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure that my rights under the FCRA are protected. I request that the CFPB takes steps to hold the agency accountable for their failure to comply with the FCRA, and that the unwarranted charge be removed from my credit report. 

I would like to thank you in advance for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Email : XXXX Regenerate 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 2023-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, My name is XXXX XXXX. I've been a victim of fraud in XX/XX/2021. 
I have been a loyal Bank of America customer for over 20 years. 

My checking account number is : XXXX XXXX Routing # XXXX Please refer to the attached letter with details of the fraud I have been a victim of. 

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 explanation
Consumer complaint received 2022-09-21
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/2021 unauthorized charges on XXXX card were not refunded. Also fees that have be paid block incoming deposits and causing problems with credit score at bank and merchants used at.

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 2022-09-22
Company: SERVICEMAC, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home just over two years ago. I recently requested an appraisal to have my Private Mortgage Insurance ( PMI ) removed. ServiceMac LLC ( the servicer ) who is owned by XXXX XXXX recently sent an unlicensed and uncertified appraiser out who was a XXXX XXXX XXXX named XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, VA XXXX. XXXX XXXX conducted the Broker Price Opinion ( BPO ) but by his own admittance was not familiar with my area and therefore couldn't provide a true estimate. His appraisal was conducted using a sale price divided by above grade living space with no accounting of bedrooms and living space below grade. His " appraisal '' was not an accurate accounting of my home 's value. The servicer even confirmed that a sale price divided by above grade method is not accurate when I used that same method to give them additional comps that increase my home value. As a result, they denied my appeal when I sent the additional comps. An accurate appraisal conducted by a licensed and certified appraiser has not been conducted up to this point. I requested an appraiser be sent out to conduct an accurate appraisal with no response. This e-mail went to board members of XXXX XXXX and customer service specialists of the servicer. At this point, I am contemplating taking the servicer to court for violating 12 United States Code 4902. 

Please contact me so we can get this resolved without the need to take anyone to court. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Recovery One, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX  ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

Recovery One - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX XXXX  XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022, I requested to have several accounts investigated due to inaccuracies on my consumer report. As of XX/XX/2022, XXXX, Equifax and XXXX have not completed the investigation or if they have they have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions 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: Personal information incorrect

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. 

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. 

Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The Correction is : 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 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 XXXXXXXX

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 2022-08-22
Company: Experian Information Solutions Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
ATTENTION TO XXXX XXXX BANK. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account previously from my file as the amount of {$2100.00} does not belong to me although it seems to still be reporting This account was fraudulently opened through this company XXXX XXXX BANK in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire this account. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2022-06-08
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I got scammed by XXXX. It happened XXXX last year. I used Coinbase to convert dollar to XXXX to send to scammer. The scammer disappeared and my funds were lost. I contacted coinbase and tried to resolve. They weren't helpful. Hence i am filing the complaint. See attached letter for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Southern Auto Finance Co
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
i called Safco to get a copy of my finance contract with reference to my XXXX XXXX XXXX trade in value amount of {$4000.00} for the XXXX XXXX XXXX XXXX i traded in to the XXXX dealerships said they would apply an additional car vehical trade in twards the loan and in addition to the cash down payment of {$10000.00} plus my Used Vehicle asking {$21000.00} as is, but XXXX sold a unnecessary extended warranty I soon canceled when I learned I that warrenty i was sold was for only the coverage of XXXX mile the seller was so ambiguous in selling me a. {$4000.00} auto warrenty. Stated I was buying a XXXX mile warrenty when the vehical already had over XXXX miles I soon learned i was played.The XXXX XXXX XXXX in XXXX. I need help with my contract because Im making all my payments and for XXXXXXXX XXXX payment due XX/XX/XXXX I scheduled a late payment to come out of my account on the XXXX only XXXX days into the due date, how I already have an statment notice of {$940.00} past due. I did a deferment last month or previous month because I felt like my payments where back to back every two weeks, i tried to reach out to XXXX about my XXXX trade. in and they never respond and so i asked Safco to furnish my contract that reflects my trade in and they reported that they received only cash {$10000.00} no trade in? is this contract invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2022 XXXX XXXX XXXX please remove fraudulent unauthorized inquiry off my report or provide proof in writing wthin 30 days.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) 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

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