BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX Credit Report contacted me to avail to a free Trail for a month. I tried but they asked for a Credit Card before I can start. I gave my Discover Credit Card. 

XXXX XXXX XXXX is very inconvenient and it does not work. So I canceled it, This was at the height of the Covid Pandemic. I got infected with XXXX and was XXXX, then I suffered from XXXX XXXX and still is suffering from XXXX XXXX. I am taking a lot of medicines which keeps me drowsy and feeling lousy ad sickly all the time coupled with XXXX from taking XXXX Drugs. The reason that I was not checking the charges of my Discover Card. 

I am a XXXX old proud Retired XXXX XXXX XXXX  that was making good money and was my paying 20 % taxes. Being retired and my Social Security Retirement Pension is barely enough to survive. 

I am being abused by these scammers- XXXX Credit Report which has affected my Quality of Life. I have a lot of charges in my Discover Credit Card due to these Illegal Charges. 

I already filed a complaint with Discover who credit back the monthly charges, but later on, Discover recharged my account again siding with XXXX. 

I called Discover and filed a Dispute, but they will recharged these XXXX Charges again. 

Please help me. This is a scam and also a Seniors Citizens Abuse. 

Thank You so much! 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A cease and desist letter were sent to XXXX and XXXX ( both of them impacting my credit report negatively ) They are required to cease ALL communication with me. 
FDCPA 15 usc 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through ANY medium, Any medium includes my credit report. They owe me {$1000.00} for each communication they had with me since the letter was sent to them.

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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX To whom may concern I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( NAME OF MEDICAL HERE ) 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 patient 's authorization, therefore my request is twofold and as follows. 
Validation of Debt and HIPPA Authorization - Please provide a 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 informatio to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter 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. 
XXXX Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it is in violation of the Fair Credit Reporting Act. I will await your reply with the above requested pronf You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal credit bureaus expected or damages will be sought after. 
XXXX All accounts I. Dispute below XXXX XXXX XXXX XXXX Also another violation they are not reporting full account numbers

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$8600.00} ), XXXX XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Balance : {$3500.00} ), XXXX BANK ( Date Opened : XXXX XXXX, XXXX, Balance : {$1500.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7300.00} ), XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$1600.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2021-10-02
Company: PNC Bank N.A.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am trying to cooperate and solve this issue with my account being on hold I have attached a copy of a notarize affidavit of truth I've mailed off certified to PNC XXXX  investigator XXXX XXXX showing proof of my identity and clarifying and clearing up what happened to lift the hold on my account and will like to continue communication in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: Experian Information Solutions Inc.
State: MO
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:
On or around XX/XX/2021 Experian, XXXX, and XXXX took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted Experian, XXXX, and XXXX, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( 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 2022-07-11
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: Information belongs to someone else

Complaint:
I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the account numbers XXXX and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX and 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 2022-06-10
Company: EQUIFAX, INC.
State: LA
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 XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: AZ
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 had an account with WellsFargo Bank between XXXX and XXXX and I was charged NSF fees. I would like to know if I am eligible for the Wells Fargo 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 2022-12-30
Company: Experian Information Solutions Inc.
State: ID
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:
The company is refusing to comply with the law under subsection 609 of the FCRA, by refusing to provide documentation of the information it was provided or has used to verify the accuracy of items on my 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 2022-11-23
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX To whom may concern I recently obtained a copy of my credit report, and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 
Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( NAME OF MEDICAL HERE ) 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 patient 's authorization, therefore my request is twofold and as follows.

Validation of Debt and HIPPA Authorization - Please provide a 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 informatio to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter 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.

6 Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it is in violation of the Fair Credit Reporting Act. I will await your reply with the above requested pronf You have 30 days in which to respond to this request, or this debt will be considered invalid, and removal credit bureaus expected or damages will be sought after. 
XXXX All accounts I. Dispute below XXXX XXXX XXXX XXXX Also another violation they are not reporting full account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Accounts : 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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have disputed the attached accounts multiple times for inaccuracy and false reporting. The are not any accounts I recognize opening and accounts have so many discrepancies that I question the integrity. I have a right to accuracy and completeness on my report so I have requested that the inaccurate accounts be removed but they are still reporting. The accounts do not even show a notice of dispute so I KNOW there was not investigation completed. The account must be removed since it is impossible to verify the because of all the inaccuracies and discrepancies.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am being ( XXXX ), targeted and abused with many credit card companies. 
I am forced to pay outrageous fees from XXXX dollars up too approx XXXX before I received credit. Forced into paying annual fee to even have any type of credit in the United States of America for the American Dream. 

The companies I have had to pay Outrageous fees too are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forced to pay fees of XXXX and higher, as an annual fee as well as paying fees out of the credit amount offered to me. 

The companies that have targeted me are as follows. 
XXXX XXXX XXXX, XXXX XXXX XXXX credit card, - Fee from the start - charged me to have credit XXXX XXXX XXXX XXXX charged me fees to have credit annual XXXX XXXX  XXXX Fees to have credit XXXX XXXX XXXX XXXX Fees to have credit XXXX XXXX  XXXX double charged me from the start of XXXX annual fee when advertised on Experian website as a promotional offer was XXXX I called and explained the situation to XXXX customer service and got no where. 
They refused to honor the offer and made me pay double what was advertised by experian. 

All of these companies I listed above trafficked me. 
They took advantage of me. Forced into being a slave paying above and beyond paying a normal interest rate on the dollar. I paid well over XXXX dollars before I was ever able to use the credit offered. 
I had exceptional credit with my auto lender in XXXX. 
I not once got over XXXX from major credit reporters. I opened my first credit card ever in XXXX some of the companies listed above also bait and switched my original credit card I was issued from the company and switched cards on me on their website without any notice to me at all. Further sending the switched differnt card in the federal mail with no notice before hand or why. 

I am XXXX AS A HUMAN BEING with credit. 
I am a XXXX to all the companies listed above. Each one of the five companies listed above as well as experian, XXXX, and any major credit reporting company should be sent this complaint. 

Experian, XXXX, and other major credit reporing companies have not allowed me to get past XXXX to obtain a home of my own as a first time home buyer for my family. As long as I am XXXX as a human being with credit I will never be able to obtain the AMERICAN DREAM. with my income bracket and having fees plus paying interest on top of that. 
the last 2 cards offered to me, one company being ( XXXX ) was pay fees in excess of almost XXXX dollars before they would even send the card. XXXX XXXX in credit is wrong. 
As an American Citizen Companies keep me XXXX. 


I have filed a prior complaint but it was closed due too needing more information from me. 

See below Priorcomplaint Submitted to the CFPB on XX/XX/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 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have used a BoA credit card since XX/XX/XXXX. They provided a 0 % interest transfer rate which I took advantage. That date was XX/XX/XXXX. Immediately after the transfer the bank auto drafted from my bank account in the amount equal to transfer. Yes, they asked for all of it back in the form of a single payment. I provided a complaint to the company and they eventually refunded me the payment minus the normal amount due. The following two months everything worked well, but again BoA changed something and decided to begin charging me interest on a 0 % interest program. I have since called back two times with each employee apologizing for the mistake and claiming the charge will not occur again. Well, we are now in month 3 and it is still happening. I spend over 1 hour each month trying to get this resolved, and essentially training and teaching the individuals on the phone how to resolve this issue. The 2nd time I called I was told a supervisor would call me back to confirm the necessary changes were implemented. That never happen. The third call I was told the same, but right now I am fairly confident that won't happen either. I am also waiting to get the 3rd interest rate refunded and expecting a 4th call ( 1 hour long ) is necessary. In order to get this resolved correctly I am trying this route. BoA has always been known for bad service and nothing has changed over the years.

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 monetary relief
Consumer complaint received 2020-01-13
Company: REGIONS FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been without my new ( renewed ) ATM Card sinceXX/XX/XXXX  I have sent myriad requests to obtain my new ATM Card. I've been told that it has been sent to me sinceXX/XX/XXXX ( 1st that it would take 15 days, then 30 days, then 45 days ). Today isXX/XX/XXXX and I have still not received it. This is my 2nd complaint to XXXX and my American bank has not responded to your first request.

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 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XX/XX/2019 I paid for a credit check total and seen a collection from XXXX that I never had.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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