BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: DISCOVER BANK
State: MO
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:
Discover Bank Card Subject : Request for Account Deletion as per XXXX XXXX XXXX Points of Compliance I am writing to request the deletion of my account from your records in accordance with the XXXX XXXX XXXX Points of Compliance. As a consumer, I understand that the XXXX XXXX format is an industry standard for reporting credit information, and it includes guidelines for accurate and fair reporting. 

I kindly ask that you consider the following XXXX points of compliance and take the necessary steps to delete my account from your reporting : 1. Accuracy : I request that my account information be deleted promptly if it contains any inaccuracies, incomplete information, or discrepancies that may impact my creditworthiness. 

2. Integrity : It is my understanding that you should maintain the integrity of my personal information, ensuring its confidentiality and protection from unauthorized access. 

3. Promptness : I expect that you will process my request promptly, taking into account the specified timelines for deletion as per the XXXX XXXX guidelines. 

4. Documentation : I request that you provide written confirmation of the account deletion, including the removal of any negative information associated with my account. 

5. Compliance : I trust that you will adhere to all applicable laws and regulations regarding consumer credit reporting, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX guidelines. 

Please acknowledge this request within 3 days from the receipt of this letter and provide written confirmation of the account deletion as per the XXXX XXXX guidelines. 

Thank you for your attention to this matter. I appreciate your cooperation in ensuring the accurate and fair reporting of my credit information. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I thought I was hired by a fake company calling itself XXXX XXXX XXXX for a software engineering position. 

They sent me a fake starter paycheck of {$4900.00} on XX/XX/XXXX to wire to a man, posing as a company, to purchase and deliver the equipment. The money sent was {$4700.00} on XX/XX/XXXX and sent to XXXX into the account of XXXX XXXX XXXX XXXX, again through a wire. I do not know if the thief is posing as him or affiliated with him in any way. But because the paycheck is fake, this will leave me in the negative in my checking account. 

The deception was discovered that night, and USAA was called for a way to stop the domestic wire transfer at XXXX XXXX EST. A fraud report was filed, and a note on my account explaining my situation was put on my account. The wiring side of the company was closed so while the wire itself was processing it could not be stopped. 

The next morning on XX/XX/XXXX XXXX the wire was said to be complete, but the side of USAA that handles wires would not open until XXXX XXXX CT. I called as soon as possible at opening hours and was told they would attempt to recall it. 

At XXXX a transfer recall request was put out from USAA to XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a car from XXXX through XXXX and somehow Bridgecrest holds my allege loan. 

After coming across and studying laws and regulations and seeing how Ive been violated I reached out to Bridgecrest XX/XX/2022 to inform them on how theyre violating me and to cease such activities. 

They sent me back a computer generated response. 

XX/XX/2022 I informed them on my right to rescind such transactions and I did rescind such consumer transaction. Giving them XXXXdays to cancel security interest in my property, as well as claim reimbursement for all interest payments made, and for them to send me title. 

They than sent me back another Computer generated response the same as the one prior.

They have also giving my private information location to two different Tow companys who have violated my privacy and tried to commit identity theft and aggravated theft. 

I am at the last point to get this situation solved. 

They are ignoring my correspondences, my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm so tired of the same old story with these people. They tell me they corrected something but then don't really do it. They send me their inadequate consumer based report which doesn't really reflect the truth and never has. I ran my report with a company that I pay to allow me to do so every month. The same addresses I've requested be removed are STILL on my report! They just lied and didn't do anything! I ran my report with the company I deal with on XX/XX/27 and the addresses have not been removed!

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 2023-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a small business owner. I was trying to buy a commercial space to scale my business and realized I had damages on my credit report. According to the 15 USC 1681 law there should not be any damages on my report. It is a defamation of my character.

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 2023-07-10
Company: Experian Information Solutions Inc.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-10-14
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear CFPB, I am complaining about XXXX XXXX XXXX Bank, Wachovia Bank stealing the assets of the Heir XXXX XXXX XXXX at our family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

They sued my deceased parents which is legally impossible ( NO SERVICE OF SUMMONS ON MY DECEASED PARENTS ) The Mortgage Insurance premiums that my deceased parents paid for, paid off XXXX XXXX  on XX/XX/ in the amount of {$97000.00}, FHA Case # XXXX. 

After they got paid they continued to foreclose against my deceased parents which you can not do, Pursuant the Illinois Judicial Foreclosure Law 735 ILCS 5/15-1501 ( a ) ( i ) Which makes a Mortgagor a necessary party and a indispensable party to a foreclosure action. 

Then they sued me a non-mortgagor and stole the assets of the Heir XXXX XXXX XXXX and even my personal property at our lifelong family home at XXXX XXXX XXXX, XXXX, Illinois XXXX. 

The law of Intestate succession was violated and stolen pursuant Federal and State of Illinois Law of Decent and Distribution : 755 ILCS 5/2-1 ( b ) Which reads in part ; ( If there is no surviving spouse but a descedent of the decedent : the entire estate to the descedent per Stirpes ) Once again XXXX XXXX  XXXX Wachovia Bank their attorneys have committed fraud and theft of the assets of the Heir XXXX XXXX XXXX XXXX the Son and Next of Kin of XXXX XXXX XXXX and XXXX XXXX XXXX , they have falsified, the character, amount and legal status of the debt when they got paid by the MIP Insurance that my parents paid for on XX/XX/XXXX  in the amount of {$97000.00} on XXXX. 

Once again the assets of the Heir XXXX XXXX XXXX Pursuant 755 ILCS 5/2-1 ( b ) was threatened, abused, harrassed, Vandalised, tresspassed, evicted and stolen by the Bank, their attorneys and the court. 

The Heir XXXX XXXX XXXX never signed a note in the amount of {$100000.00} The Heir XXXX XXXX XXXX never signed a mortgage in the amount of {$100000.00} The Heir XXXX XXXX XXXX never borrowed any money from XXXX XXXX  and Wachovia Bank in the amount of {$100000.00} The assets of the Heir XXXX XXXX XXXX the Son of XXXX XXXX XXXX and XXXX XXXX XXXX ( My Parents ) Was threatened, abused, tresspassed, Usurped, Vandalised, Evicted and stolen by The Bank, their attorneys XXXX and elected and appointed officials of XXXX XXXX, XXXX, Illinois. 

Once again XXXX XXXX  got paid on XX/XX/ in the amount of {$97000.00} They have stolen the assets of the Heir XXXX XXXX XXXX pursuant the Law of Decent and Distribution 755 ILCS 5/2-1 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Im XXXX years old. And I never made transactions on my XXXX  card. My nurse is helping me with my credit. Im being taken advantage off

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Starting back to 2016 I have medical debts added to my credit report from XXXX XXXX  originating from XXXX XXXX have XXXX amounts of {$120.00}, Acharge for {$150.00}, XXXX charges of {$1800.00} seperate charges of {$200.00} dollars, The rest are down below BULL CITY FINANCIAL SOLUTIONS Opened XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX {$270.00} BULL CITY FINANCIAL SOLU Opened XXXX {$270.00} BULL CITY FINANCIAL SOLU Opened XXXX BULL CITY FINANCIAL XXXX Opened XXXX {$370.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am not aware that there is a debt from XXXX XXXX, and unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
On XX/XX/2023, XX/XX/2023, I wrote to you requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time. 

In accordance with the Fair Credit Reporting Act. The List of accounts be low has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A : States I have a right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) 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 that records of convictions of crimes which antedate the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer.

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 2020-04-04
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX is reporting 4 late payments on my credit report. I was never late. When I contacted XXXX XXXX I was told that it was a mistake with their company. The only way to fix it was to submit a dispute with all 3 credit bureaus. Each time I submitted a dispute with all 3 bureaus, it comes back as verified as correct information. However, when I spoke with XXXX XXXX, the company stopped reporting my payments late, however, they have not removed the late payments after I sent the dispute to the credit bureaus

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 2023-06-11
Company: LFG Data Services Holdings, LP
State: AL
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:
In XX/XX/2023 I requested from XXXX a method of verification of the bankruptcies I disputed and there were two resources that they receive their information from. XXXX XXXX and a Company called XXXX ( XXXX XXXX XXXX XXXX XXXX has no bankruptcies on my consumer report, but XXXX claims to have some information. In the investigation of the method of verification, XXXX contacted me stating that they are a furnisher and provides bankruptcies information to XXXX. I have disputed the information, based on Rule 9037 Privacy Protection for Filings made with the courts. ( a ) Redacting Filing. A Court ONLY ( 1 ) the last four digits of the social security number and tax-payer-identification number ( 2 ) the year of the individual 's birth ( 3 ) the minor 's initials and ( 4 ) the last four digit of the financial-account number. With this Rule 9037 Privacy Protection, there is no way that it can be verified to be mines. This is also a violation against the XXXX reporting standard. XXXX does not have a Permissible Purpose to obtain or transfer personal information to any CRA. Incomplete and unable to verify " Originating Source ''. This has been a hinder in my life and I am standing up to demand my life back. To buy me a home, to have lower interest rates. This is a violation and has been damaging my reputation and also other consumers for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Good day! I'm from the XXXX and a freelancer. I've been using Paypal for XXXX years and now, they're suddenly closing my account saying I'm engaged in selling XXXX content/materials which I'm not aware of. I've only been using Paypal to purchase games or for receiving salary from my US employer ( I'm working remotely ). 

I'm not sure if this complaint should go here, I just want to give it a try and make an appeal. I've asked them for the specific transaction they're flagging, but they keep saying that they can't provide further detail. 

I know you can help me out as this payment method is important to me for all my transactions as a freelancer. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Hello I requested to do an international transfer from my account in PNC Bank in the USA ( US dollar account ) to an account in XXXX XXXX XXXX XXXXXXXX ( US dollar account ). 
the amount is XXXX XXXX dollars. 
PNC bank exchanged the amount for XXXX dollars without my approval or notification, which resulted in losing XXXX dollars. 
I sent XXXX US $ and received XXXX US $ my first complaint is the unapproved money exchange from US $ to CAD . I did not request it. 
my second complaint is the low transfer rate that the bank decided to use. 
I asked the bank to reverse the transaction and they told me that I will lose more money if I do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Chase arbitrarily decided Im responsible for the fraudulent reversal claim on my checking that the fraudster made on my checking account. The fraudsters reversal claims unauthorized were, my monthly payments of purchased money orders debited from XXXX, utilities payment, all monthly payment debited Creditors, and my joint account with my daughters their monthly payment to IRS.These transactions in the amount approximately {$9000.00}, that Chase Bank is withholding my pension directed deposit, to pay back monthly. thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX  has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX  is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.

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 2020-04-04
Company: Experian Information Solutions Inc.
State: MS
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: Investigation took more than 30 days

Complaint:
I have unauthorized inquiries on my credit report. I did not authorize any of those inquiries.

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 2020-04-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried to get my old information removed to it being over the time limit to stay on my report. This is the only thing from holding me up on getting a home loan. I have tried on several occasions to have it removed with no success. The account number is 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 2023-12-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation