BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$2500.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Basically I reached out to the credit bureau explaining that they are reporting inaccurate information, and they then in turn reached out to XXXX 's explaining the same. XXXX 's then wrote me stating that I owe for the bill and that if I am experiencing any hardships to let them know. I then wrote a validation request letter to XXXX 's asking for any information that would make them think I am responsible for an account that I did not open. I asked for any documentation with signatures etc. They have now sent me a bill again stating I owe {$330.00}. They still are not answering the request for them to validate this debt. I have been a prior victim of fraud as well and have made this known as well. I also have

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 2020-12-14
Company: WELLS FARGO & COMPANY
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX ... our Wells Fargo Checking account was hacked ... and $ XXXX dollars were wired out of the account. Wells Fargo was notified within 20 minutes of this happening ... while they said they would do everything to recall the wire ... they did not. 

When I complained and asked why they did not ask us to confirm the wire ... they said that they texted my wife ... which they did not. 

I escalated all the way to what I was told was the " highest level of customer complaints '' the rep was XXXX XXXX ... to which she replied that they would do nothing ... and could not provide any record or confirmation of the text being sent or us approving the transaction. I was just supposed to take it on their word ... which is amazing to me. 

I asked her if she had the authority to change that decision to which she replied that she did not ... so I suggested she was NOT the highest level of consideration ... since she was not able to change it. We are out {$4700.00} ... and Wells did nothing to help and nothing in taking any responsibility for protecting the integrity of their customer 's money.

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 2021-10-15
Company: Experian Information Solutions Inc.
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 recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

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 2018-11-06
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: Account information incorrect

Complaint:
After checking my credit reports, I was disgruntled to discover that a inaccurate 30 Days Past Due was posted. I have been very vigilante with paying my credit card on time and have never missed a payment. I take my credit health very seriously and am shocked that such an error and mistake has been able to slip through. This account has never been paid late.

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 2019-08-31
Company: EVERBANK, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
small charitable distribution withdrawals from large IRA at TIAA are rejected despite repetition on line and on phone and by email

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Just wan na know how in XXXX am I supposed to have 60 days to respond if you closed the XXXX thing after 30 days?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: All American Check Cashing, 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: Investigation took more than 30 days

Complaint:
them to validate, to show a receipt of their purchase of the debt than hit them with HIPPA violation of sharing your info for financial gains.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA

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 2022-08-08
Company: PNC Bank N.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Good day, I secured a personal loan with BBVA bank in XXXX at a local XXXX, Texas branch, I used the funds to start a small buisness. 83 % of the loan was paid off in XXXX. During COVID my business suffered and sales declined. I became ill with COVID preventing me from working at my business therefore, I was unable to make payments on my loan. 

I received a letter from PNC stating they had bought out BBVA and would be handling me account. I called PNC on several occasions, explained my situation and asked for assistance to have my payments delayed or postponed as suggested in collection letters sent via mail by PNC. 

My requests were denied by PNC, I expressed my frustration and stated I would make payments when funds were avaliable and asked for help in not having me credit score affected, due to no assistance by PNC my loan defaulted with less than a {$5000.00} balance. PNC reported me to collections which significantly lowered my credit score from a XXXX plus to a XXXX. The reporting has negatively impacted my borrowing power and first time home buying opportunities. On XX/XX/XXXX I paid off the remaining balance on my loan to PNC. I was given a letter by the branch manage stating my account was paid and closed. I would like PNC to take action and report this pay off as soon as possible to all credit reporting agencies in hopes of quickly increasing my credit score. I would also like to file a complaint due to lack of loan payment deferral during a pandemic. 
Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: IN
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:
( 103 true Identity theft ) XXXX  File XXXX XXXX  Report Confirmation:XXXX Experian Report Number:XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX  Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT NAME : DPT ED/XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 12 XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX   XXXX XXXX XXXX  ) Account # : XXXX ACCOUNT NAME : XXXX ( Original Creditor : 11 XXXX ) Account # : XXXX IVE BEEN TRYING TO REACH OUT TO XXXX  Experian XXXX  BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!

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 2019-06-20
Company: EQUIFAX, INC.
State: NV
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:
You have to fix this account, verify and delete it, its always paid on time XXXX XXXX XXXX, the account was not transferred.. You have to fix this account, verify and delete it, its always paid on time..I sent numerous letters to credit bureaus but they did not fix it..CFPB step up and fix the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw two accounts from PHOENIX FINANCIAL SERV for XXXX XXXX XXXX  XXXX XXXX in the amount of {$750.00} and for XXXX XXXX XXXX XXXX PA in the amount of {$740.00}. 

I had no prior knowledge of these debts and was never contacted by the collections company or the medical facility. 

I made both facilities aware that I was homeless and unemployed at the time of service and needed financial assistance. 

These debts reported are a violation of my HIPAA rights as I did not receive any care from Phoenix Financial Services. The moment they accessed my records without a consent was the moment theyre violated my rights. 

I also checked with XXXX / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and not locate a business Registration or status of activity for the company based in IN to do any business here. Therefore they are operating illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: DISCOVER BANK
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD! 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-13
Company: EQUIFAX, INC.
State: MS
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:
Late payments : Account Name : XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I remember paying this account on time. I am not sure how I was late in XXXX, XXXX, and XX/XX/XXXX, it didn't even match the creditor 's records. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I do not recall being late in those months. This was paid on time, I am not sure how the credit bureaus do their investigation but I've disputed this account a couple of rounds of letters now and the bureaus are still not updating the reporting of this account. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XX/XX/XXXX I do not recall being late in XXXX and XX/XX/XXXX. My statements could have been delayed during these months, but this has always been paid on time. 


Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Dates of late : XX/XX/XXXX and XX/XX/XXXX I was not late in those months. I have paid this on time.. This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been with XXXX, XXXX, XXXX XXXX etc. for over 30 years. i have had numerous problems with the billing from XXXX. i cancelled service in XXXX and changed to XXXX XXXX XXXX in XX/XX/2018. 
1 ) found out that DATA overage was the issue, changed to UNLIMITED data.

2 ) charges for overage on DATA continued.

3 ) after cancelled service, charges continued along side charges with XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: LA
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 FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD! 

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Paypal Holdings, Inc
State: ME
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 and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' can you please help me out i really need my funds back i have to pay many things but the paypal hold my money help me please thank you

Company response to consumer: Closed with explanation