BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received auto insurance through my BANK USAA and I was involved in a car wreck which had nothing to do with me but they deemed my car a total loss and continued to collect insurance payments from my bank account months afterward instead of canceling it due to the total loss. They fraudulently kept it open and collected payments that were invalid. They never sent me the check that they wrote I would receive as well. I am reporting fraud and asking for the. To send me my check and to stop stealing fake payments from my checking account which is also USAA. When I check my account it states the car is deemed a loss and this means they should have closed my account the Investigation is over. They received all documentation the minute It was received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: King of Credit Financial, Inc
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:
Im financing a car through king of credit and its not showing up on my credit like it was before with all my perfect on time payments on it I just want it to get updated back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The is the second time that Chase has automatically sent an ACH from my account when the auto XXXX has not been activated. Chase sent an ACH without my consent or permission AGAIN. I made a manual ACH payment on XX/XX/2023 and today, XX/XX/2023, I received a notification that my account has been overdrawn due to Chase sending an automatic ACH for the same transaction. Again, auto ACH is turned off and has not been activated. I manually sent the XXXX. 

Since this has happened before, I reached out to XXXX from the Executive Office at Chase who assisted me previously. This appears to be a recurring issue in Chases system. Regardless it is an issue in Chases system and wholly created by Chase. Due to Chases actions my account is overdrawn by {$4400.00}. Clearly, when Chase represented to me that this issue had been resolved it had not and they were misrepresenting the status of the issue. 

I am unable to conduct business on the account I need the resolved expeditiously and completely. I need the funds returns by end of business on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I never even knew this card existed until midland started harassing me. So i started doing some of my own research. It has made my credit score drop drastically. It appears this account was closed on XX/XX/XXXX with a {$0.00} balance. Why did XXXX  XXXX accept a payment after the account was closed and had a XXXX balance? It appears that XXXX  XXXX accepted a payment on XX/XX/XXXX on this account that was closed. I never knew anything about this account and want to know who is going to repair my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2020-06-10
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After reviewing a copy of my credit report, I noticed a collection accounts placed on my credit report from Synerprise. I am requesting that you allow my attorneys and I to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, my attorneys and I are allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties agency. I did not give permission to any of my current or prior medical providers to release any of my medical information and/or records to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients signed authorization. I have never given authorization to release any information in accordance to my rights under HIPAA. Therefore, my request is three-fold validation 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. Also provide an original copy of contract with original creditor that gives you the right to collect debt in pursuant to the FDCPA. Cease any credit bureau reporting until the debt has been validated by and my attorneys and I. Furthermore until a debt can be validated by me, I am allowed under the FCRA to have any debts in relation to be removed from my reports until the items can be validated my attorneys and I. Please send this information to my address listed and accept this letter sent via the CFPB complaint portal 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 or accounts being placed with the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, attorneys will correspond back by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The credit bureaus ( XXXX XXXX, XXXX, Equifax, XXXX ) All are reporting inaccurate information on my credit report. I reached out to them to have this information verified and deleted. They responded that they verified the information, which they clearly DID NOT. The information they are reporting is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I'm submitting this complaint without any influence from ant third party or agency. Please see attached documents and ID as it contain my full complaint and 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 explanation
Consumer complaint received 2018-10-05
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I starting receiving multiple calls a day approximately 2 months ago from a collector who refused to identify themselves. In early XXXX, the man who called again refused to identify himself and ended the call stating he'd send me a letter. Approximately XX/XX/18 I received a letter from B.C. Services of XXXX, CO. regarding a medical bill. I was finally able to connect live with XXXX on XX/XX/2018 at approximately XXXX XXXX. XXXX with in the first couple words spoken became very abusive although I was calling to set up payment arrangement on my account. He was attempting to collect information on a previous family member to which I responded that I had nothing to do with that individual and I strictly was calling in efforts to resolve to my account. He kept demanding that I give him the information and told him he'd be serving me a law suit. I again reiterated I was calling in regards to my account and wanted to make payment arrangements. He said he would not set up payment arrangements and disconnected the line. I called back and he answered again. I told him I wanted the fax number to the office he refused and asked what I wanted to the number for. I told him he was obligated by law to provide the information to me and demanded it again. He then stated I could speak to a supervisor and transferred my call. at XXXX XXXX I spoke with XXXX XXXX ( female ) and explained that I was well aware of my rights, that XXXX had engaged in illegal abusive debt practices and I would not tolerate it whatsoever. She was kind, indicated she'd listen to the call, and speak with him. She also set up a payment arrangement on the account. I feel this needs to be addressed with this company as this in not the first time in my life dealing with them, and each time they behave in the same manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-06-02
Company: Sequium Asset Solutions, LLC
State: TN
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 received a notice that a new collections account had been added to my report on XX/XX/. Over the last couple of days contacted all the parties involved with the credit report, most recently was today, on XXXX when I contacted XXXX regarding the information. Sequim Asset Solution was the reporting agency, and rather than verifying the information they submitted when I disputed the account, they updated my credit report with a false address. I contacted them ( as they are the only party that can remove the collections account from my report ) and they stated that they no longer had this account XXXX XXXX XXXX XXXX had recalled it for review ) and that I needed to contact XXXX XXXX XXXX regarding the report on my credit report. I explained that they were the company that submitted that information and in turn they were the only ones that could get it removed. Even with it being false/incorrect information they still stated they were not going to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason, i didn't do anything and they closed my account, Im contacted them and they will not get me getting back. I think this a mistake My paypal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: COINFLIP LLC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In XX/XX/2023, I fell victim to a multi-layered scam operation run by an alias XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX CAD from Coinflip to fraudulent firm ( s ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.

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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My account was permanent limited in paypal 180 days after so many days My XXXX in paypal was Lifted with Funds up to XXXX ( XXXX  180 DAYS or done 180 days ) its almost 200 days since my XXXX was lifted but my XXXX still 180 days plssss helped me to restore my XXXX in paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: MO
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 formally requested the removal of the following information from my report : In XXXX, a XXXX XXXX XXXX  was opened under my name without authorization. I promptly contacted XXXX XXXX, requesting closure of the account due to its non-affiliation with me. Additionally, XXXX, identified as a collection agency for XXXX XXXX, does not represent any legitimate account of mine. Notably, both XXXX and XXXX have already expunged this information from my credit report and restricted XXXX XXXX 's access to my profile. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: M&T BANK CORPORATION
State: NJ
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, has violated my rights. 

15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-18
Company: Experian Information Solutions Inc.
State: AZ
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:
Experain has refused to answer my disputed items. See attached paperwork.

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 2022-05-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a cashier 's check, pay by XXXX bank into my Wellsfargo account. The check is under {$1500.00}, made payable to me. Upon depositing the cashier 's check via mobile deposit, I was sent an email saying that my deposit was received and the funds would be available the next day. With a disclosure at the bottom saying some checks may require additional verification and the funds may not be available for 1-3 business days, but if that happens they will notify me and explain why.

The next day the funds are not available and I did not receive any kind of notice on why. I went into the bank itself with the cashier 's check and asked why the funds aren't available and they tell me to call the 800 number. I call they say XXXX bank placed a hold on the check. I go into XXXX Bank they say there is no hold on the check and that it cleared the day before. She even called Wellsfargo to tell them that it's been paid and printed out the paper showing that it's been paid. I then call Wellsfargo again, and am told that the check already posted to my account and that my balance is showing that it's available, but it's not, so then he transfers me to someone else who tells me that no it has not posted or been paid by XXXX and that there's a hold on it placed by XXXX. I tell him no there's not, I have proof of such. He then tells me Wellsfargo is holding it for verification reasons, I ask what reasons and what can I do for this verification to be completed, he tells me he doesn't know and transfers me to someone else. I ask them to just cancel my deposit so that I can take my cashier 's check and cash it at XXXX, she tells me that once the check is in the system they can't just cancel it and that the funds will be available on the XXXX ... That's NINE days after the funds were supposed to be available. I ask her who can I talk to to get the hold removed she said she doesn't of anyone who can do that and that I will just have to wait. 
Wellsfargo has already received the money from XXXX bank, the check has already cleared, but they refuse to make the money available to me, and can't tell me why.

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