BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 ( XXXX XXXX XXXX ) dealership and bank ( Ally ) misrepresented contracts to me and stole my identity to secure a funds & a security interest in a my title by way of pretending to loan me {$36000.00} of the banks actual money when in fact they never did loan anything that's was close to there's rather then create money without documentation of the debit or credit of a loan to or from me to bank in their ledger or book keeping all without a valid contract dealership never signed original contracts with me and ally bank never signed any loan or contract with me either Also due to unfair and fraudulent practices during transaction my finance charges were added up in my amount financed section which is a violation of my truth in lending rights along with manipulating me to believe that I could not get the car without giving them {$6000.00} cash down payment

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 2023-04-22
Company: Experian Information Solutions Inc.
State: MO
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:
When I reviewed my credit report once more, I discovered that the information was erroneous. The credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$6000.00}.

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 explanation
Consumer complaint received 2023-04-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
i was contacted XXXX told i have a claim at Wells fargo XXXX on XXXX i was told the case was closed due to my not responding to their contact. on XXXX, no call had been made. no phone number on record as having been called. 
i had responded on XXXX the case was reopened XXXX XXXX told to wait 10 days. when i called back i was told the case had never been reopened and i had been lied to by the girl who told me someone had tried to cash cashiers checks written to me. i was raged on while i was standing in the bank in XXXX on XXXX laughed at. asked my mothers name. not asked her maiden name. teller told me i needed to give that. the case was only reopened after i said i was calling the police. 
XXXX. new case openedXXXX. it went from mother buying me a cashiers check to mother buying herself a cashiers check 12yrs after she passed. I called the XXXX police XXXX reported everything, identity theft i have been raged on and told just to walk away non stop. laughed at. told i can not prove i was left anything. raged on. i only got a case worker after i requested an Attorney contact them thru social media. called pd a week ago, officer said they had the info from investigating. i asked them to call the bank on Monday and speak with XXXX XXXX went thru 5 case workers. told by management no one had done anything XXXX got XXXX as case worker. they claim they are doing research, which they claimed before. they still have not done anything. today i called to check. was told new case worker called me, that i did not respond. no phone call came in. none. no message left. they had my number on record. I am being called a liar. told to provide my mothers death certificate and proof that i have the right to handle her affairs. the check was bought for me. some one tried to cash it and was stopped by law. i am being verbally and mentally abused by them. they will do nothing even with law stepping in. I can not tell you how many times the case was closed, this after they were told i did not know what i was left. they demanded i show them proof, raging on me.

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 2023-04-22
Company: Paypal Holdings, Inc
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
PayPal closed my account after I made a complaint about a charge on my card that was denied 3 times at the hotel I was trying to stay at, then at about XXXX they took out my money for the room I didn't get and closed my account and I'm out almost XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX informed me tht ive had an account with them since 1999 i wonder how tht works bcuz i was only 14..so they have first hand knowledge im dealing with idenity theft and XXXX only knows wht else i made it clear tht they only have my permission on one addresse that i Give them permission to report bcuz the rest are not mine and are clearly from idenity theft or just are inaccurate and wrong i been dealing with this since i was a child.. i cant get them to delete completely false accounts and there information isnt accurate fair or have i give transunion hand written permission to put tht mess in my report its all from fraud lies and idenity theft ..Theres something really wrong with my information bcuz i cant even get phone numbers completly false info from these 3rd party collectors whos reports arent in compliance with Metro 2guidlines FCRA and yalls guidlines ,,, I need some help plz im sure there all about to just break every one of the guide lines yall have... i need your help getting these disclosures bcuz im homless over all this and the deformation of character in all this dishonest files and a XXXX of inquaries tht i cant access... thanks for your help

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 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion informed me tht ive had an account with them since 1999 i wonder how tht works bcuz i was only XXXX4..so they have first hand knowledge im dealing with idenity theft and XXXX only knows wht else i made it clear tht they only have my permission on one addresse that i Give them permission to report bcuz the rest are not mine and are clearly from idenity theft or just are inaccurate and wrong i been dealing with this since i was a child.. i cant get them to delete completely false accounts and there information isnt accurate fair or have i give transunion hand written permission to put tht mess in my report its all from fraud lies and idenity theft ..Theres something really wrong with my information bcuz i cant even get phone numbers completly false info from these 3rd party collectors whos reports arent in compliance with Metro 2guidlines FCRA and yalls guidlines ,,, I need some help plz im sure there all about to just break every one of the guide lines yall have... i need your help getting these disclosures bcuz im homless over all this and the deformation of character in all this dishonest files and a XXXX of inquaries tht i cant access... thanks for your help

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 2023-04-22
Company: Experian Information Solutions 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:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report 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 2023-04-22
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:
Multiple banks have been allowed access my credit report, and to report hard inquiries, with incorrect personal information. I have filed two disputes already and this information is still not being removed. This allowance is a violation of my rights and privacy. 

Said inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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:
I tried to get XXXX XXXX deleted from my credit report this negative item was paid in settlement and should be removed from my report it has been on record for over 6 years now it shows nothing but bad credit they are keeping my score down as well just shows 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 non-monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: AR
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 six request 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 information I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No body care about this matter, remove the inaccurate information in my credit record that came about due to an alleged fraud. These are the following items tnat needs to remove immediately : 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

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 2023-04-22
Company: Harris & Harris, Ltd.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a call about a debt from Harris & Harris , LTD . I called them back and as them to provide details and all I received was silence. I don't them I don't owe a debt and they stated, " Everyone tells us that ''. I received the details of the fraudulent debt attempts on Friday, XX/XX/XXXX. The letter states I owe a debt from XX/XX/XXXX from the XXXX XXXX XXXX of {$390.00}. I looked online and clearly don't owe the debt. These debt collectors clearly are just trying to take advantage off parents with children and hope people pay since it's their child and NOT verify it's a VALID debt. They need to be find {$1000.00} or the maximum under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
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 tried to get XXXX XXXX deleted from my credit report this negative item was paid in settlement and should be removed from my report it has been on record for over 6 years now it shows nothing but bad credit they are keeping my score down as well just shows 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 2023-04-22
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Am a natural man and consumer. I was impacted by the so called 2017 XXXX data breach. I am spending incalculable hours and energy trying to keep up with the fraudulent accounts and inquiries appearing on my personal consumer credit report. This is the third cycle ( 30 day increment ) that I'm sending out disputes to XXXX, XXXX XXXX, and Experian. XXXX XXXX has sent me stall letters and postcards after each of my disputes stating that they applaud my decision to take control of my credit, but they continue to completely and wilfully violate the FCRA by stating that my letters, which have my identifying information, doesn't appear to come from me. First of all, the FCRA does not stipulate that a consumer must notify any credit reporting agency that they are working with the assistance of someone else. Secondly, XXXX XXXX is a multi billion dollar corporation that does not know me personally, so how can they possibly determine what my mail seems like? Experian continues to send me form postcards that are essentially stall letters as well, stating that my proof of address is insufficient, thereby denying me my right to challenge or dispute any information that is inaccurate erroneous or incomplete, and therefore access to my consumer report. The law states that upon receipt of dispute, a CRA must initiate a " reinvestigation '' of the disputed information, and complete it within 30 days. I am now approaching 70 days with no progress. I've submitted proof of my being a longtime victim of identity theft and the law states that ANY ITEMS THAT ARE REPORTED TO BEE THE RESULT OF IDENTITY THEFT MUST BE BLOCKED WITHIN 4 BUSINESS DAYS. FCRA 605B ( 15 USC 1681c-2. XXXX and Experian continue to report a fraudulent account from XXXX and company called XXXX ( XXXX XXXX ). I've contacted XXXX  and they said they'd forward it to the fraud department, but all that's happened is they verified the accuracy of the information to the credit reporting agencies.

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 2023-01-09
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company did not give me more information as to the bill in question, and when I tried to dispute it over the phone they told me they could clear the debt and would help me if I paid XXXX XXXX per month for them to do so, saying if I didnt do so it would affect my credit score, etc. I responded that this is not my debt. I work XXXX  so I was not able to dispute the debt in time but this is not my debt. Company mentioned this could affect my ability to buy a home, I said I own my home and this is not my debt. They said just pay, I said I wont because this is not my debt. I want to see the bill in question and time period as I moved from XXXX XXXX  to XXXX and then XXXX and divorced from my husband in XXXX. I have no lived in the home since XXXX and am based in XXXX XXXX. XXXX is a XXXX XXXX  company and the address in question is XXXX XXXX XXXX, XXXX, NJ XXXX, and should be charged to my ex husband who is the current sole homeowner, XXXX XXXX. I can provide all divorce papers showing I have not lived in the home since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: AK
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 requested from XXXX XXXX, XXXX and Equifax to fully validate five ( 5 ) accounts on my credit report with my last letter dated XX/XX/2023. The only thing I have received is that the accounts are " verified '' without any statements or original contract supporting that the account and balances are in fact correct. 

The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX has sabotaged my credit with false late payment claims when in fat the payment was confirmed received and applied to my account before due dates. It wasn't until i went to refinance that I noticed these damaging reports and when i spoke with A Hire up I was told they would be corrected and the payments where also under an agreement program in which no late fees or charges or reports will be applied. I also noticed that there reporting was inaccurate across all three consumer reporting agencies which makes these reports in accurate. I would like all late payments removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: U.S. BANCORP
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX, I opened a business checking account with US Bank in response to a promotion that it was running : open an account, deposit {$3000.00} into it within 30 days, maintain the balance for 60 days, make 5 transactions, and receive a {$400.00} bonus within 45 days of meeting the requirements. I met the requirements on XX/XX/XXXX, so I should have received my bonus payment no later thanXX/XX/XXXX I still hadn't received the money on XX/XX/, so I called the bank, and the rep that I spoke to confirmed that I qualified for the bonus but didn't tell me when I would receive the money or make any apologies for not paying me the {$400.00}. For a bank that claims to be " ethical, '' I find it interesting that it avoids paying bonuses on promotional offers that it runs. There is no doubt that if I hadn't called the bank, I never would have received a XXXX, and I still have no idea when I'll receive my {$400.00}. 
US Bank is still running the promotion, but the bonus has been bumped up from {$400.00} to {$500.00}, and there's no longer a transaction requirement. My account number is XXXX XXXX XXXX. My account balance still has never been less than {$3000.00}.

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 explanation
Consumer complaint received 2023-04-22
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:
I have contacted these credit bureaus as it relates to my credit profile. Equifax, XXXX, and XXXX all have inconsistent information on my profiles from Names, Addresses, Employment, Phone numbers and even collections on my report. I have sent in my correct name, address as should appear on my report and asked that all others unknown be removed, this has yet to be done. I also disputed some unknown collections asking for an investigation, which was done in a matter of days and there was no resolution. I did not give them permission to report anything on my credit and have written and called several times asking them to remove this invalidated collections, which to date they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Affirm Holdings, Inc
State: CO
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:
Affirm sold my debt in XX/XX/2022 to a third party collector, XXXX XXXX. Affirm has continued to report a balance owed on XXXX. I have contacted Affirm many times and disputed with XXXX twice. I have currently provided further documentation to XXXX from their own website confirming the account balance should reflect XXXX due to the ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: CT
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 reviewed my Consumer Report and noticed that I had one late payment on account that I was never late for and was on autopay for 5 yrs. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for any payments for any of my accounts including ( XXXX XXXX XXXX ) Please investigate and provide a proof with statements. If proof can not be provided I demand this late payment to be updated on time as it should be as I was never late ( 5 yrs autopay ) 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