BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-16
Company: Opportunity Financial, LLC
State: NV
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:
XXXX In connection with the collection account with Opportunity Financial, In pursuant to 15 USC 1681b ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or. I did not give any permission to pull any information from my report specifically because my ssn should be excluded from my consumer report and this account is a credit card account. In pursuant to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of 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 consider this information that was reported as identity theft. I demand a deletion of this account effective immediately. If the account is not removed from my consumer report I will take this to a federal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: General Motors Financial Company, Inc.
State: PA
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:
Please remove inquiry, I do Not have any recollection of the inquiry made by your company nor did I physically sign any consent papers to have my credit ran under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Paypal Holdings, Inc
State: CO
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, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: VA
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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2023-01-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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: Information belongs to someone else

Complaint:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : EXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-16
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 Balance : {$8900.00}, 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-23
Company: EQUIFAX, 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:
I'm a victim of identity theft. Attached are the listed items not associated with me, along with my ID, and FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I opened a bank account and was waiting for my debit card for M & T bank but I never received it and they also sent a pin with a separate mail I also never received it unfortunately so the has been 8 unauthorized transactions each for {$1000.00} that i was denied after I tried to dispute those are form XX/XX/23 to XX/XX/23 it says atm withdrawal

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: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Predatory loan, illegal repossession from another state, apr rate predatory. My teenage daughter and I drove up to visit XXXX for family emergency. My car was parked outside of house and I went to sleep woke up to no car. I immediate called police to file stolen vehicle report.before I made report the police check database for repossessions and my vehicle wasnt in data base. I filed report with police. I find out a tow truck illegally stole my car and police made tow truck drop car and the Wells Fargo recovered it. 2 separate police reports with some malfeasance taking place.contacted Wells Fargo and I was told to refinance at branch. I go to branch and they said they stopped refinancing since 2019. I already had claim open with the president of Wells Fargo and I was told if I didnt want to pay storage fees to refinance.Meanwhile I explained that me and my daughter were left stranded in XXXX XXXX I lost my job and my daughter missed a lot of school days. I was never able to refinance from taking hits on credit report from applying at multiple companies. This has truly been a nightmare.

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: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my Transunion report that I never made. I need these removed I have tried several times to have them removed. I didn't inquire with these companies. 
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 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: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Opened dispute through PayPal on XX/XX/2022 for receiving the wrong item. They sent a wig with synthetic hair and not the length of XXXX inches. Instead they sent a wig with XXXX inch and barely XXXX inches just along XXXX weft. The wig resembles a troll with all the different lengths. The company reached out to provide a {$30.00} refund to me and then a {$40.00} refund if I send the item back. PayPal advised if I send it back I can get a full refund so I declined the vendor alipearl. The next day PayPal closed the claim stating that the vendor does not refund for altered products but I had to attempt to style the wig like curl or straighten it and it burns and does not curl. Then PayPal advised I can only get a {$50.00} voucher through PayPal. 
Now I am trying to use the voucher and now PayPal is telling me they only have a {$20.00} voucher not {$50.00}. 
PayPal tells lies and does not allow me to screenshot our messages due to security reasons. Yet they don't update the conversation within the claim. I want a full refund as the item was not human hair nor XXXX inches and proof was given of the quality. XXXX purchasing a pair of shoes and they begin to tear after XXXX wear. The hair looks nothing to what I received. It does not move, it's not human hair. 

Product Link : XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES 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 have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer report.

Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I deposited a check for {$1800.00} at Bank of America ( XXXX XXXX XXXX XXXX XXXX, WA, XXXX, United States ). The next day, XX/XX/XXXX, the funds were made available in my account and the status of the check read, and still reads, " Cleared. '' This check was for services I was to provide to a client, but the client cancelled our business arrangement and asked me to return the funds to him via XXXX. Once the check was cleared, I obliged by my client 's request and returned {$1800.00} in two installments : {$1500.00} sent on XX/XX/XXXX and {$320.00} sent on XX/XX/XXXX, with {$40.00} staying with me as payment for the inconvenience. Two days later, on XX/XX/XXXX, Bank of America withdrew {$1800.00} from my account on the grounds that the check I deposited on XX/XX/XXXX was fraudulent. The lack of communication from Bank of America about the status of the check and the use of the term " Cleared '' to describe a check that in fact had not been verified as legitimate led me to lose {$1800.00} since I would not have sent money to my client had I known the check had not been verified.

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 2023-06-06
Company: Experian Information Solutions Inc.
State: NC
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 kindly request that you delete this account as it does not belong to me. I am extremely upset that it is appearing on my credit report, and I am deeply disappointed that I have been subjected to this situation. I urgently demand that the business promptly removes this account from my credit report as it does not belong to me in any way.

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 2023-01-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 2023-01-16
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
improper disclosure of the amount financed, finance charge, payment schedule, total of payments, annual percentage rate, and security interest disclosures. 
-This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( 0 ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Virginia XXXX failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my right of rescission. 
XXXX XXXX XXXX XXXX XXXX accepted a CASH down payment of {$2000.00} violating 15 U.S. Code {$1600.00} which clearly states : The finance charge does not include charges of a type payable in a comparable cash transaction.

Pursuant to 15 U.S. Code {$1600.00} ( 1 ) ( 3 ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: MI
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 have shown verified documentation to update my personal file with Experian I have requested several times to remove address ( XXXX XXXX XXXX ) from My personal file, i I have provide my valid driver license, and all documentation as requested to remove this address, I dont live here this is not my address. 

Experian is completely violation by not removing this address as requested, I have provide information showing this is not my address, I provide mail documentation such as insurance paperwork showing this is not my address as well. 

Im demanding Experian to remove this address under my FCRA rights 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions. Which I have stated to remove this address thats not mine, beginning with XXXX XXXX XXXX, Experian has chosen to ignore my demand when I have provide information showing I dont live at that address Im demanding for this address to be removed This is violation under 15 U.S.C . 1681 b 15 U.S.C. 1681b ( a ) ( 2 ) 15 U.S.C. 1681n Also Experian is in violation of 15 U.S.C 1681g how are Experian verifying this account im request for information to be shown to me on where the information verified is being verified ( within 4 days of written request or removed from my credit report immediately. Also.by not updating my information correctly and fairly. They have associated me with a 2 fraudulent account by name of XXXX XXXX XXXX on my credit report which I have requested several times to remove under 15 U.S.C. 1681 S-2 I have provide a police report, and provide vaild driver license to prove my identity and place of residence for over 15 years. 

Im demanding for XXXX XXXX XXXX account # XXXX to Removed from my credit report immediately they have been reporting on my credit not only as an fraudulent account, they are in violation of 15 U.S.C. 1681n bb Also have not provide any information as request pasting the 30 day expiration requirements/ in also in violation of 15 U.S.C. 1679i due to not providing information this account is past the statue of limitations as well XXXX XXXX  account # demanding to remove immediately 15 U.S.C. section 602 8 states I have the right to privacy 15 U.S.C. section 604 a section 2 also states as a consumer reporting agency cant furnish my account with my written instructions/ also under 15 U.S.C. 1681 S-2 which documentation has been provide several times

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