BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
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: Credit inquiries on your report that you don't recognize

Complaint:
I'm having this trouble since couple of years ago! Every time I see my credit report there's always an issue or i see many inquires that aren't mine.

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 2023-03-18
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Assignee/Lender Name : Audi Financial Services XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Re : Acct # XXXX ; Car Year : XXXX ; Make of car : XXXX ; Model : XXXX ; VIN Number : XXXX ; Stock Number : XXXX ; I am writing concerning the above-referenced accounts and transactions. 

This vehicle was repossessed by Audi Financial Services in the State of California on XXXX through a third party repossession party, XXXX  XXXX XXXX XXXX XXXX. 

Under the laws of the State of California, California Commercial Code 9609 and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Furthermore, according to California law, the repossession was illegal and a breach of the peace. 

On the day of the repossession, the repossession agent illegally broke into my car, then used intimidation during the repossession by blocking my exit from the premises, preventing me from leaving, therefore imprisoning me, which is considered a breach of the peace. Moreover, the repossession agent repossessed my vehicle after I instructed him not to, which is a breach of the peace. 

As per the California Civil Code, the creditor or the repossession agent must provide the debtor with a notice of the repossession, and it must not breach the peace. In this case, the repossession agent used force and intimidation, which constitutes a breach of the peace. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Additionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Credit Central Holdings, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My name is XXXX XXXX. 

On XX/XX/23, I received a notification from my employer, XXXX XXXX, stating that my bank account was garnished for a debt owed to Credit Central in the amount of {$560.00}. 

My employer provided phone number XXXX Credit Central. The company is located at XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. 

I have never been to this location, nor have I ever opened up any loans with them. Moreover, I have never received any notifications from this company regarding a debt that is owed. To obtain a garnishment, this company would have had to bring a case before a court in Alabama. I have never received any notification regarding a lawsuit, thus, never had a chance to defend myself against this unfair garnishment of my bank account. 

I am demanding that Credit Central provide me written proof of a loan that I've obtained from them. If not, remove this garnishment or I will consult an attorney for further advice. 

I can be reached at XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account is not mine. Victim of ID Theft

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 2023-03-18
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I met someone on XXXX who told me they would help me trade crypto futures. 
After several trading sessions and large profits, they said I must pay taxes to reap my profits. As of now, my account is " frozen '' All of this was done through Coinbase Wallet and XXXX. Neither company is useful in helping me solve the problem. 
I Originally wire transferred the funds from XXXX XXXX to XXXX XXXXXXXX XXXX. 
My entire life savings is " frozen '' in an account I don't even understand. Approximately {$390000.00} USD. I later found out the person has several XXXX accounts under different names. I have made several complaints to XXXX, and they have been of no help. I also filled out a complaint on the FBI website IC3. I'm devastated. I have lots of information about the scammer, whose photographs I traced to XXXX social media site XXXX. I hired a private investigator to help me find the person. I don't know what to do, and I'm at the end of my rope. The scammer even convinced me to cash out my SEP IRA and add that to the pot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, INC.
State: OH
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 credit report that do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
company : Credit Collection Service My name Is XXXX XXXX. XXXX, My address is XXXX XXXX XXXX Michigan XXXX XXXX Phone XXXX and my birthdate is XXXX. 

After checking an updated copy of my credit report. I have found several accounts that I dont recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. I am not disputing the existence of the debt, but I deny I am the responsible debtor. I am also aware that mistakes happen. I believe these accounts can belong to someone else with either similar name or with my information used without my consent either from the furnisher itself or an individual. 

In accordance with the Fair Credit Reporting Act, your agency is required to do a reasonable investigation into the matters of accuracy, completeness and be able to verify each specific entry. I am demanding physical documents with my signature or any legally binding instruments that can prove my connection to these erroneous entries, failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward. 
I hereby demand that these accounts listed above be legally validated or be removed from my credit report immediately. 
I understand that you must complete the investigation within 30 days of the receipt of this letter. Please send all replies to the address above with an updated copy of my credit report after all investigations are properly done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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: Account status incorrect

Complaint:
My XXXX XXXX credit card that I barely use had an unpaid balance ( {$15.00} plus late fees = {$43.00} ). The account was paid as soon as I was notified and I also closed the account. XXXX XXXX has now hit my credit report 3 times one with a XXXX balance entry despite the card being paid off and closed. I have contacted XXXX XXXX multiple times and the problem continues.

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 2023-03-18
Company: EQUIFAX, 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:
see attached!! I've previously submitted a CFPB complaint on the credit reporting agency for reporting fraudulent transactions on my credit report although I've attached a copy of Identity Theft Report. These inquiries need to be removed from my credit profile promptly as it is my intent to seek remedy in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: URS Holding, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ON XX/XX/2023 A company by the name of ALLTRAN FINANCIAL. stated that I owe them money when I have no clue as to who these people are and how did they get my personal information. I want this account to be removed off my consumer report immediately. They have violated so many of my 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 explanation
Consumer complaint received 2023-03-18
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Received an unauthorized debit of XXXX on XX/XX/23. I called to dispute charge, spent 45 minutes trying to verify my ID, even though I answered their questions they still couldn't do it and told me to go into a branch even though I am XXXX and can not get around.

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 2023-03-18
Company: Experian Information Solutions 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:
On XX/XX/XXXX I pulled my consumer report from Experian, XXXX and XXXX XXXX. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my adress a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company XXXX has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. I present attachment ( s ) of exhibit ( s ) that shows a trail of paper communication between an associate and I for the company XXXX of the meaningless document that was sent to my address. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from Experian, XXXX, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not senT me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that XXXX is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.

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 2023-03-18
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
In XX/XX/2022 last year my student loans were paid off in full as I had them through XXXX XXXX XXXX At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. Aidadvantage put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so Im having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my 120 payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In XX/XX/2022 last year my student loans were paid off in full as I had them through XXXX XXXX XXXX. At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. XXXX put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so XXXXm having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my 120 payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act, The account listed below has violated my federally protected consumer rights to privacy confidential under 15 USC 1681. 

XXXX XXXX Open/closed Closed Date opened XX/XX/2019 Account type Charge Card ( Can't seem to find the full account number for this ) 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 an account without my written instructions.

15 U.S.C 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes witch antedate the report by 7 years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Upstart Holdings, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Paid in Full, Upstart predatory loan. Have copy of Paid in full letter sent with Paid in Full amount to zero. Cashed check front and back of Upstart. And they are hurting my credit and still hounding me when this is paid in full want it off reports or corrected to help build my fico scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
Wells Fargo Bank Act. XXXX XXXX  This account is using my Information improperly wells Fargo Bank wont answer my request. 
90 Days Late XXXX Opened {$300.00} Credit Limit {$0.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Late Payments XXXX 5 Late Payments XXXX 0 Late Payments Compare this account across all bureaus. 
Show Comparison Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, IA 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