BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: DISCOVER BANK
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I opened two accounts, the XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX, with XXXX  through their website. I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my Discover account detailsspecifically the routing number and account numberI made two distinct transactions : a {$25.00} deposit into the XXXX XXXX XXXX and a {$25000.00} deposit into the XXXXXXXX XXXX XXXX XXXX XXXX  through the XXXX website. 

However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund. However, I only received the {$25.00} deposit reflected in my Discover account. The {$25000.00} intended for the XXXX XXXX XXXX XXXXXXXX XXXX did not appear. 

Despite numerous attempts to resolve this issue by contacting XXXX, I have not received a satisfactory resolution. After submitting a complaint in CFPB to XXXX, I finally received their response on XX/XX/2023. XXXX informed me that their vendor, XXXX, holds the funds, and they advised that Discover 's ACH department should request a debit return. In response to XXXXXXXX XXXX guidance, I promptly contacted Discover and provided all the necessary information by phone. 

However, to my dismay, I received a letter from Discover on XX/XX/2023, stating that my dispute was closed. After immediately reaching out to Discover again, they reopened the dispute, assuring me of a credit return by XX/XX/2023. To enhance Discover 's investigation, I submitted both XXXXXXXX XXXX response letter and XXXX XXXX email. 

As of today, XX/XX/2023, I have not received any feedback or a credit back from Discover, and my attempts to seek clarification from the Discover dispute team have been unsuccessful. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: Consuegra & Duffy, P.L.L.C.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My account was garnished for XXXX dollars. This account is my bills payment account with XXXX bank. I was not informed that my account was frozen by the bank until I tried to use my bank card. When I went to the bank they informed me to contact an attorney. They did not inform me that my account was frozen. The bank did not communicate with me. I was told by XXXX bank in XXXX XXXX, FL that they can not do anything for me. They said that I should hire an attorney. This garnishment by Consuegra & Duffy Law for XXXX XXXX XXXX XXXX case number XXXX XXXXXXXX due to a loan that I did not procure. Now I have no access to my bills bank account. I am out of XXXX dollars that was in my XXXX account. I have not gotten a letter until XXXX I feel abused this is now an abusive debt collection practice that has contributed to a number of fears about my ability to meet my financial responsibilities, to marital instability, and to invasion of my individual privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: FL
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
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:
XXXX  and Transunion are reporting incorrectly a collection on the XXXX XXXX XXXX XXXX   partial account number ****XXXX in the amount of {$490.00}. ( Please see pages 11 and 12 of the attached credit report. ) I am in the military and received orders to move to North Carolina. I cancelled this service prior to my departure. The service was not cancelled correctly on XXXX XXXX XXXX end and my roommates who presided in the residence after my department failed to pay this bill. This account does not belong to me and this incorrect reporting is harming my credit score. Please remove these items from my credit report.

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 2023-06-10
Company: Harley Davidson Financial Services Inc
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They called my parents on a number that was not provided to them and discussed specifics about my auto loan that I am currently behind on they told them all my personal information I am XXXX XXXX XXXX. They have also continuously harassed me with multiple phone calls from multiple numbers throughout the day and delivered letters to my door in person representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: OH
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:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
MY INFORMATION ON MY CREDIT REPORT IS INCORRECT PLEASE SOLVE THIS. MY ADDRESS ACCOUNTS ON REPORT AND EVERYTHING IS INCORRECT!!!! 

I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be 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 explanation
Consumer complaint received 2023-03-29
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27
Company: Experian Information Solutions Inc.
State: CA
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 : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, NO REPORTING for Experian, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail. 

XXXX  XXXX : Account number : XXXX, Last reported dates should be the same per bureau. I have disputed this unverified account already and still see it is not removed. By way of example, Last Reported is showing XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian, and XX/XX/XXXX for XXXX. There are also inaccuracies and inconsistent reporting with Date Last Active, Date of Last Payment, Date Opened, and Account Type Detail.

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 2021-05-16
Company: FISERV INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX put a hold on my orders in XX/XX/2021 for an outstanding balance of aprx. {$80.00}. On XX/XX/XXXX I contacted the XXXX party collector and resolved the balance. When I place orders with XXXX, they are canceled. XXXX states, that the XXXX party collector has not provided them with the information to prove my account is resolved. I called the XXXX party collection company and they informed me that they are not obligated to report to XXXX. This is the exact opposite of what XXXX 's cancelation latter states. I asked the XXXX collection agency how ill XXXX known my account is clear and they informed me that the company that processes the payment will inform XXXX. After explaining this to a customer service representative from XXXX, I called the XXXX party collection agency with the XXXX rep on the line so they could listen as I was able to confirm that my account with them was clear. 
I have a gift card on file with XXXX and I am unable to recover my funds. This is unfair since I am unable to use my account for orders. I have made several calls to all agencies involved to reactivate my account. 
I need help resolving this matter because each agency keeps pushing me off to another agency and no of them are trying to help resolve the issue.

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 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., 'STATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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 non-monetary relief
Consumer complaint received 2021-05-16
Company: BAM Management US Holdings Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have a decently large amount of cryptocurrency that Binance.US will not let me sell, withdraw, or trade. They claim its because a returned ACH but I have covered that owed balance plus more. They ignored everything I said about paying that balance in their response email and brushed me to the side. I haven't been able to access MY money on binance because of this since XX/XX/XXXX. My support ticket for their site is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive filed numbers FTC reports and contacted this company Security Credit Services about the identity and the account not being mine. They refuse to remove this negative unauthorized item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
this account was paid in full in the department store in XXXX. The payment was misapplied and later credit ed back about 30 day later .The late payments are incorrect. XXXX  was paid directly I never heard of Comenity Bank. The store is out of bossiness and the bank has failed to respond to my correspondence. they have violated FCRA LAWS THEY NEVER INFORMED ME THAT THEY WERE PLACING ANY NEGATIVE ACTIVITIES ON MY CREDIT REPORT.THE ARE REPORT ON ACCOUNT THAT PAID COMPLETELY OFF WITHOUT LATE PAYMENTS. I HAVE DISPUTED AND THE VIOLATED FDCPA LAWS BY NOT ADDRESSING MY CONCERNS AND DISPUTE

Company response to consumer: Closed with explanation