vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
Subject : Complaint Against Wilshire Financial for Predatory Lending Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Loan Star Title/Wellshire Financial Services on behalf of XXXX XXXX XXXX On XX/XX/2023, XXXX XXXX unknowingly entered into a predatory lending contract with the company, which has led to unfair and deceptive practices that violate her rights as a consumer. 
Loan Star Title/Wellshire Financial has violated Section 83.501 Maximum Interest Charge XXXX XXXX Code 342.01 ( a ) and Finance Code Chapter 302, which state that the maximum rate or amount of interest is 10 % per year. They have also violated Texas usury protection laws, as the Texas Constitution prohibits lenders from charging more than 10 percent interest ( Article 16, Section 11 ). Contracts without a rate of interest agreed upon should not exceed 6 %, and this section also limits interest rates on judgments to 18 %. 
This company has over 100 complaints regarding predatory lending and unfair deceptive practices. During our investigation, we found numerous consumer reports stating that the company is preying on the vulnerability of consumers in need, asking intrusive questions about their circumstances to exploit their desperation. In In XXXX XXXX case, they are charging her an interest rate of 320.4627 %, which is illegal according to Texas lending laws and the Texas Constitution. 
This predatory interest rate sets consumers up for failure, as many Americans are already struggling financially. With no hope for repayment and no hope for the consumer to ever retrieve their vehicle, we believe that this company is acting maliciously and causing harm. 
We are prepared to pursue a class-action lawsuit if the matters stated in this complaint are not addressed. As XXXX XXXX was coerced into signing an illegal contract and the company has forged consumer signatures on documents, this We have included the attorney generals office and the lenders association in this complaint. We do not seek to harm or defame the character or business practices of Wellshire Financial. Instead, we demand that all monies given be returned to XXXX XXXX 
XXXX, the predatory agreement be canceled, XXXX XXXX be compensated for damages and awarded {$10000.00}, and the title be returned. We also request proof of ownership of how the company obtained the loan, the actual cash value of the loan, and records of legal tender. 
We await your response and look forward to reaching a settlement agreement that resolves the issues outlined in this complaint. 


Attatched Below is the complete complaint for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As per FCRA Section 605, it is imperative to eliminate any items identified in Identity Theft Report # XXXX. This serves as a follow-up to my previous complaint, reiterating concerns that I have previously communicated and now including a new FTC report XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN : 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 XXXXXX/XX/XXXX. Please note the four-business-day deadline for the removal of these reported items resulting from alleged identity theft. I want to emphasize my non-consent to E-OSCAR or any form of automated verification.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Address do not belong to me below

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Address do not belong to me below

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per FCRA Section 605, it is imperative to eliminate any items identified in Identity Theft Report # XXXX. This serves as a follow-up to my previous complaint, reiterating concerns that I have previously communicated and now including a new FTC report XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please note the four-business-day deadline for the removal of these reported items resulting from alleged identity theft. I want to emphasize my non-consent to E-OSCAR or any form of automated verification.

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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
PayPal Credit Card added me as an authorized user on XX/XX/XXXX on an account when I was a XXXX. The account holder was the father of my former boyfriend. I just found out I was an authorized user when my credit was checked in XX/XX/XXXX. I reached out to PayPal Credit Card and they said they could not remove me as an authorized user only the account holder. I have messaged the account holder on XX/XX/XXXX and he has not replied, I then left a letter on his door on XX/XX/XXXX and he still has not replied or removed me from this account that I never authorized. I am unable to remove myself because the account holder is ignoring my requests and PayPal Credit Card says I have no ability to remove myself.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

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 : {$0.00}.

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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
I had a scammer who said they worked for XXXX XXXX XXXX from my cash app account. XXXX XXXX XXXX, and XXXX. Called the cash app support and they said there is nothing they can do. I asked cant they reverse the transactions since the scammer has an account with them and they said no. I gave them the scammers account name and they said there is nothing they can do. I find it hard to believe that a repeatable company wouldnt be able to access an account in their system and get back my money. I would think they would want to help the consumer from getting scammed again and delete that account from their system or at least give information about the account to the authorities to help take them down.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I closed my card last month or so ago. I was charged an annual fee for this yr but i haven't used that card at all. I requested a refund from them through the XXXX never got a response. I want my {$39.00} back, the card is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
A letter was addressed to me. This letter should've have been addressed to my in care of person ( my daughter ) and myself. I signed a paper stating I will return all moneys. I did not understand what I was signing. I was legitimately XXXX from a XXXX XXXX in XXXX  which caused me to be hospitalized 5 times and XXXX  as XXXX XXXX XXXX I submitted years of medical info and was accepted by SSI as XXXX. I do not owe this money back because i was XXXX according to SSI, my doctors and family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX and XXXX continue to use my estate property for compensation by reporting an alleged bankruptcy. As the trustee for the estate I have not given Transunion, XXXX, or XXXX permission to use the estate property for any profit that does not benefit the heirs of the estate. These companies sell information for profit and prevents me from carrying out the duties for the estate which is engage in international commerce to benefit the heirs,

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX and LexisNexis continue to report inquiries that I do not recognize and did not authorize. 

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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00}.

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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXXXXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I realized on XX/XX/XXXX at least a checking account with Chime had been created in my name. I had been receiving emails from Chime about an account earlier but assumed it was spam because I hadn't created an account. Then I received notice that accounts had actually been created using my email account. Although Chime closed the account on XX/XX/XXXX, they have refused to provide me any information about what information they have on me or what information was used to apply or how they verified and associated my email address with a fraudulent account. I provided them with an FTC identity theft report, pictures of my drivers license, and SSN which they claimed they needed to provide me more information. However, they still refused to provide me with additional information. They have an AI email responder that is not helpful and I have been unable to get an actual person to read any of my complaints. I have probably emailed Chime over XXXX times. The latest communication from me was on XX/XX/XXXX. Chime has repeatedly sent me the same checking account statement that does not have the information I am requesting. I have been explicit that I need to see what information they have associated with the account to see what information of mine has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian and XXXX continue to report inquiries that I do not recognize and did not authorize. 

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 XXXXXX/XX/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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX, XXXX XXXX  I sent XXXX XXXX XXXX PayPal and they are a known scammer on XXXX selling collectibles trading cards as a scammer. Instantly blocked me after payment. 


Baited to make a sale with friends and family through PayPal so that PayPal would give no recourse. Essentially enabling scammers. 

Transaction ID XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  and Experian continue to cause damages to my estate my reporting late payments. The note that is used for profits is being traded and has been sold numerous times which is registered in the name my estate holds equitable title to and all rights. Reporting these alleged late payments has caused the heirs of the estate damages as I have not been able to fulfill my duties due to the late payments.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Experian and XXXX continue to use my estate property for compensation by reporting an alleged bankruptcy. As the trustee for the estate I have not given XXXX, Experian, or XXXX permission to use the estate property for any profit that does not benefit the heirs of the estate. These companies sell information for profit and prevents me from carrying out the duties for the estate which is engage in XXXX XXXX to benefit the heirs,

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