BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My credit score decreased due to a " late payment '' on my auto loan. However, in receiving my billing statements, the statement date listed is AFTER the due date listed on the exact same statement. For example, one billing statement has the date listed as XX/XX/2022, yet the DUE DATE shown is XX/XX/2022. Being that the statement generated AFTER the " supposed '' due date, this expected payment can not be presumed to be sent by a specific date between the creditor and the debtor. The expected payment due date is NOT clear nor concise, and a past due payment should NOT be reported to XXXX, XXXX, or 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 2023-04-18
Company: U.S. BANCORP
State: OH
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:
I am writing to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding my recent interaction with my bank. I have been in communication with the bank several times regarding an unauthorized transaction that took place on my account. Despite my repeated attempts to address the issue, the bank has failed to take appropriate action and has notified me that the transaction was legitimate. 

To provide some context, I first noticed a suspicious transaction on my bank statement on XX/XX/2023. The transaction was for a merchant that I had never heard of or authorized. Immediately, I contacted the bank and spoke to a customer service representative to report the unauthorized transaction. The representative assured me that the issue would be resolved promptly and that I would receive a refund for the unauthorized transaction. 

However, after months had passed and I did receive two Post Adjustments from the bank, I reached out to them again. This time, I was told that the transaction was legitimate and that they would not be issuing me a refund. I was shocked to hear this, as I had not authorized any such transaction and had no idea who the merchant was. 

At this point, I decided to escalate the issue and requested to speak with a representative. I explained the situation to the supervisor and provided them with all the necessary details, including the date, and amount of the unauthorized transaction. Despite my best efforts to provide evidence to support my claim, the bank remained adamant that the transaction was legitimate and refused to refund me. 

In conclusion, I am now requesting the intervention of the CFPB to resolve this dispute with my bank. I believe that the bank has failed in its duty to protect my account from unauthorized access and fraudulent transactions. I am seeking a full refund for the unauthorized transaction, as well as compensation for any additional damages or losses that I may have incurred as a result of this incident.

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 2022-10-26
Company: Collection Bureau of the Hudson Valley, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been receiving phone calls almost every day for the past 10 months regarding these bills I never paid, which I indeed have, and they keep coming up with false secondary charges/hills after I already pay XXXX off. And they constantly Harass me calling me during my work day and disrupting me, and do nothing to resolve this issue. They have yet to send me any itemized paperwork stating these bills are real.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my 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 non-monetary relief
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently disputed a bankruptcy on my credit report at the three credit bureaus. They responded to the dispute confirming the bankruptcy stating the information was provided by the US BKPT CT XXXX XXXX XXXX XXXX. I wrote the US BKPT CT XXXX XXXX XXXX XXXX confirming their procedures in regards to bankruptcy records. The US BKPT CT responded confirming they DO NOT supply these records to the credit bureaus. I then sent a copy of this letter from US BKPT CT XXX XXX XXX XXX to each of the credit bureau, along with the letter identifying the mistake. I requested the removal of my credit reports. They all have continued to refuse its removal.

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 2021-03-13
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
iam new account to binance. 
i sold XXXXusdt ( value of XXXX ) to a " verified merchain '' in XXXX  on XXXX. 

XXXX transaction was hold, but than soon removed. 
everything seems fine, and i release the coin. 

XXXX XXXX after the crypto is released, the buyer claim that he never received the item. 
" Your buyer filed a claim. 
The buyer stated that they never received the item. Please help us to resolve this issue by logging into your Resolution Center and providing us with any information that can assist us with our investigation. 
Please understand that until our review is complete, we will hold any funds associated with this transaction. 

XXXX XXXX has requested a refund of XXXX EUR. Transaction Details Case number : XXXX Transaction date : XXXX XX/XX/2021 Transaction amount : XXXX XXXX Your transaction ID : XXXX '' XXXX XXXX the case is closed " We've closed this case Transaction details Case ID XXXX Buyer 's name XXXX XXXX XXXX XXXX email XXXX XXXX 's transaction ID XXXX Transaction date XXXX XX/XX/2021 Transaction amount XXXX XXXX Your transaction ID XXXX Dispute amount XXXX XXXX '' XXXX XXXX the buyer has changed the reason for this case. The buyer stated that they did not make this purchase. 

XXXX paypal decided the case in my favor " We've decided the case in your favor If there was a hold on this transaction, it has been removed. '' XXXX the case is opened again after decided for my favor. 
We're writing to let you know that a payment you received was reversed by the sender 's financial institution. 
Although we're required to return the transaction amount to the sender 's financial institution, we don't debit your PayPal balance if the transaction is covered by PayPal Seller Protection. We'll accept any documentation that shows the shipping date, the shipping address, and official acceptance ( like a postmark or receipt ) from the shipping company. Proof of delivery is an acceptable alternative to proof of shipment. 

XXXX paypal decided that Transaction not covered by PayPal Seller Protection We completed our review of the case outlined below. Unfortunately, we are unable to reimburse you because the transaction was not covered under PayPal Seller Protection for the following reason ( s ) : We were unable to verify the delivery information you provided. 
and my account was charged for negative for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX noticed I have some fraudulent accounts appearing on my credit report I have attached a FTC Report below. 


1. XXXX Collections {$690.00} 2. XXXX XXXX XXXX {$5100.00} 3. XXXX XXXX XXXX {$520.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Continental Services Group, Inc. d/b/a ConServe
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:
ConServe Accounts Receivable Management is reporting an account to consumer reporting agencies and in doing so they are in violation of 15 U.S. Code 6802 ( b ) ( 1 ) which states " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity as mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( B ) nor an explanation of how to exercise the non-disclosure option mentioned in 15 U.S. Code 6802 ( b ) ( 1 ) ( C ) in order to not have a personal account reported to consumer reporting agencies. This account should be removed from all consumer reporting agencies pursuant to 15 U.S.Code 6802 ( b ) ( 1 ) ( B ), and 15 U.S. Code 6802 ( b ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: The Bureaus, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been sending dispute letters for the account and I have not had one response from this company. They were not able to provide any form of documentation to verify this specific account with me. Stating that the account is " verified '' is not even enough to prove such ownership If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I leased 2 vehicles from XXXX Hyundai that were suppose to have monthly payments of {$370.00} each. My spouse came with me as I needed his signature for credit purposes. We were there a very long time and when we were about to sign for the leases the leasing manger started talking about a Tire and Wheel Protection Plan that he highly recommends because XXXX XXXX is famous for nails in tires etc ...., I initially said no when he told us the additional amount. He was very persistant and came back with a lower price for this plan. Due to the amount of time already spent in the dealership and my husband getting more upset with me, I said " yeah go ahead put it on ''. my monthly payments then went up to {$390.00} and {$390.00}. I thought I could cancel this at any time and just make my normal care payments, not realizing this was part of the Lease Agreement incorporated into the monthly payment. On or about XXXX of XXXX, I called the dealership and asked how to cancel the plan. I was told " oh we can cancel it, but you still have to make the same payments and at the end of the lease payments number XXXX & XXXX will be paid for because you would have an overage. '' I told them that is not what I wanted to do and was told there is nothing that can be done. I called Hyundai Motor Finance several times beginning XXXX and got bounced around to numerous different people and departments and not one person could answer the question I was asking. I was told that they didn't even see a Tire Protection Plan on the agreement but there may be some way the computer system divides the money. I finally this past week was able to get someone that informed me there is absolutely nothing Hyundai Motor Finance can do and if I just make the {$370.00} payments on both vehicles that they would mark me as being late with both payments every month. I do not want my husbands credit to be ruined as it already went down because XXXX Hyundai did 2 credit checks on him which was not necessary when they already had one and could have used it towards the other vehicle that day. Anyway, I DO NOT NEED THIS TIRE/WHEEL PROTECTION CONTRACT NOR DID I WANT IT IN THE FIRST PLACE BUT WAS FORCED INTO IT BY THE LEASING SALES MANAGER AT XXXX HYUNDAI . I just want to make my vehicle payments which should be {$370.00} each.

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 2023-03-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery Company reported debt to the credit bureaus without first contacting me. The date opened is XX/XX/XXXX and the balance is {$120.00}. I received no voice mail, email, or physical mail and have not spoken with anyone on the phone. The debt originated from XXXX XXXX. I have no outstanding charges with them. I canceled my services with them in XXXX. The account was on autopay when it was active, so there is no reason why there should be any debt originating from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: TN
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 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.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXXXXXX XXXX : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
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 information incorrect

Complaint:
I am writing to you because I am not getting anywhere with the credit bureaus and collection agency. I feel my rights are violated. On XX/XX/2018, I and XXXX  XXXX  made a settlement agreement on this date. I told them I need something that states this account will be settled if paid by XX/XX/2018. On the phone, we agreed in {$440.00} on the phone. They were supposed to email this letter that day, but they did not. I had to call them back telling them I did not receive this settle letter that day. Prior to making this agreement, I was paying XXXX dollars a month. I received this letter on XX/XX/2018. That same day, I had my bank to overnight them a check for {$440.00} because this was the amount we agreed on over the phone. They received my overnight check on XX/XX/2018. Confirmation of the transaction from XXXX  XXXX is XXXX. I have been going back and forward with credit bureaus. I had to send in at least 4 reinvestigations. Each time XXXX  tells they are reporting accurately. I sent them all of my documents by mail. The documents I am sending you is the same documents I sent them. How could they let this company do this to me? I do not understand if they have my proof why I have to keep calling them and the company keeps telling them this account is not settled.

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 2022-11-28
Company: Experian Information Solutions Inc.
State: MN
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 confidentially under 15 USC 1681XXXX XXXX  account has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt 15 USC 1681 section 602A. States I have the right to privacy.

15 USC1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a count without my written instructions and I did not give written instruction.

15 USC 1681c ( a ) ( 5 ) section 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) 1 ( A ) a person shall not furnish Any information relating to a consumer to any 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 2022-04-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation