BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting the Congress make the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 2017-06-29
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly asked this Collection Agency to provide me with validation that the account belongs to me. After doing further research this company Helvey and Associates are not licensed or bonded to do collect any debts in the state of North Carolina. I have checked my state website XXXX XXXX XXXX. No information for this collection agency is listed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Army and Air Force Exchange Service
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX is a Collections agency for XXXX XXXX XXXX My account ( XXXX ) ended up in Collections in XXXX as a result of misrepresentation from a consolidation agency. Since then, I entered into an agreement to pay down the Collection debt with XXXX for $ XXXX. This payment was authorized as an automatic deduction from my checking account each month. For some reason, they terminated the agreement, then started sending threatening letters until I called to Re-establish the auto-draft terms of $ XXXX. 

In XX/XX/XXXX, my bank ( SECU ) and I called to receive a payoff balance letter to allow payment this debt in full. The Account was paid and reported as {$0.00} Balance as of the billing cycle ending XX/XX/XXXX. 

On XXXX XXXX, XXXX sent a bill for {$3400.00}. I have not made any additional charges on this collections account, however, XXXX has garnished our XXXX joint income tax returns in the amount of {$3400.00}! 

The pay off balance as of XXXX, XXXX was {$1900.00}. After confirmation from a XXXX representative, this amount was paid off with certified funds from my bank in XXXX, XXXX and the debt was reported to XXXX as {$0.00} balance as of XX/XX/XXXX. Therefore, I do not owe this debt.

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 2021-12-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 the bank allowed for several fraudulent checks to be deposited by only using a picture of said checks utilizing one mobile device and another screenshotting the checks which one was for {$3000.00} and 2 for {$1000.00} each total of {$5000.00} and made available {$1000.00} for immediatte use and allowed {$1000.00} to be XXXX  out to the thiefs who manipulated my teen daughter into this scam, now the bank did absolutley no investigation and now are holding us liabe to pay the {$1000.00} that became readily available by the bank including fee 's of returned item fee 's total amnt owed is {$1000.00} which again would not have been made possible if the use of only using screen shots of pictures to be utilized for this fraud to be done on us, theres a email adress associated with the zelle transfer which they could trace and know who received the money and charge them to pay the money back. I received no help from my bank but a bunch of sorry 's which dont help my situation, i worked hard to get my credit scores but if this ends up on my credit and my daughters who is barely a young adult will completly set us back. I know using technology these days is more beneficial but having allowed such a transaction only with an image of an image should not be allowed and funds should not readily be made available in such large amounts unless its a direct bank transfer to another bank period!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Mercedes Benz Financial Services
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 my bill for account MERCEDES-BENZ FINANC did not go through when it was on the auto-bill in the bank XXXX XXXX. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To the best of my knowledge these remaining medical debts were co-pays that should have either been covered by my secondary XXXX insurance or covered by XXXX who assists the indigent with remaining medical debts from the hospital bills. 

I spoke to the Choice Recovery collection group on several occasions by phone indicating the above and was either hung up on or told they will call me back in a week or so. It is discriminatory and harassing for the result to be derogatory marks on my Credit Bureau Report as I had communicated the appropriate resolve only for it to fall onto XXXX ears.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or about X/XX/17, I was contacted by Discover regarding a credit card account opened in my name. I advised that that I had never opened such an account and verified my personal information. They indicated that they would open an investigation into the matter. I received a notification from them dated X/X/17 that they had completed their investigation and determined that no fraud had taken place and that they were opening a new account in my name and would be sending me statements, and that I would be responsible for approximately $ 9k+ in charges. <P/>On X/XX/17, I contacted the credit reporting agencies to advise them of the identity theft and to determine if other accounts had recently been opened in my name and found that there had been, with XXXX XXXX, XXXX, and XXXX XXXX XXXX. In contacts with the aforementioned creditors, they were far more helpful and immediately closed the fraudulent accounts and absolved me of any responsibility for repaying any of the fraudulent charges. <P/>On X/XX/17, I contacted my local police department, who assigned a case number and opened an investigation. All of the aforementioned creditors, including Discover, were provided with the police department case number and contact information. This information has also been provided to the credit reporting agencies. <P/>In the meantime, I just got an email advising me " my '' new card was being sent to me. I continue to get collection calls from Discover ; each time I respond to them advising them that I never opened an account with them. I then get transferred to their " fraud '' department, and each time the tell me that I am liable for charges associated with the fraudulent account. <P/>It should be noted that I have never received a credit card or any statements from the aforementioned credit providers at my physical address. Correspondence from Discover was mailed to that address only after they found my real phone number and called me about the account and I provided them with the correct physical address. Upon contacting the other creditors, it was also determined that they too had been provided fake email addresses and phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I settled 5 charge off accounts with XXXX XXXX XXXX XXXX. We are in agreement that the accounts are paid in full and paid as agreed. I have included a settlement letter from XXXX that confirms this. A 6th account was settled in XXXX XXXX, letter attached. All 6 accounts appear on the included Experian Credit Report, with red boxes marking the items described herein on pages 6-9 of the credit report. <P/>XXXX stopped reporting the payment history on each of the accounts marked in red boxes in XX/XX/XXXX, but started reporting derogatory payment history anew, when I settled the accounts. This inaccurately reflects my payment history and RE-AGES my account in violation of the FCRA because it shows a recent delinquency. <P/>The attached letter confirms these accounts are PAID AS AGREED. Thus, the derogatory payment history must be deleted in accordance in the FCRA. The new reporting of derogatory information results in a reduction in my credit score. When I paid the accounts off, instead of an increase in my score, I received a DECREASE in my score due to recent delinquencies when XXXX suddenly began reporting them. If XXXX fails to delete the payment history, its only other option is to update the entire history as derogatory beginning when the first payment was missed for each account. <P/>Additionally, XXXX continues to report 'Creditor can not locate individual ' which is false, as shows on page 9 of the Experian credit report, marked in red. XXXX has been in regular contact with me since XX/XX/XXXX, as proven by the attached letter confirming my settlements. I have twice tried to get them to remove this derogatory description using the dispute process, and each time they have 'verified ' it as accurate. This is clearly erroneous. <P/>I have contested these accounts with Experian and they received 'verification ' from XXXX that the accounts were reported accurately. As proven herein and by the attached, XXXX 's Experian reporting remains inaccurate. <P/>Having exhausted the dispute process with the Experian credit bureau, I am seeking resolution via the CFPB as a next step.

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 2021-09-23
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an email today that my Venmo transfer was returned and that I had to use another source for paymnet to myself to a bank account. I added another account, then I was told they can not get my money back for me if I dont add the old account not working. 

I tried to add it back, its being rejected by Venmo! 

They said they can not return my money to me and are not liable. How do you provide a service with NO liabilty??!!! 

I want my money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 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 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 2017-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage was paid in full on XXXX/XXXX/XXXX. As of today, XXXX/XXXX/XXXX, I have not received reimbursement for my escrow account nor the overpayment of interest. The bank, Bank of America, closed my account on XXXX/XXXX/XXXX so I have no way to see what 's happening to my account via the internet. Additionally, trying to call the mortgage department is a frustrating waste of time. Each time I 've tried, I was never able to hold long enough to talk to someone. 

XXXX days to settle this account is obscene. Any payments to BOA that are late are charged a late fee but banks get a free pass?

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 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I received publication in the mail regarding re-financing my vehicle. I went to  XXXX   XXXX   XXXX  to discuss options ... EXPLAINED up front ... " Do not run my credit report all over the globe ... Just with my current loan provider "  XXXX   XXXX  ''. I started receiving rejection letters from an  XXXX   XXXX  in regards to my request dating  XXXX   2017 . I have  XXXX  inquiries from an  XXXX   XXXX , an inquiry from an  XXXX   XXXX , and inquiry from  XXXX  and a  XXXX   XXXX . I was adamant about inquiries because I am cleaning my credit for preparation to purchase a house. I have a long way to go and I do not need additional problems. Any assistance would be greatly 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 explanation
Consumer complaint received 2017-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 belongs to someone else

Complaint:
A fraudulent account was opened in my name XX/XX/XXXX.  I became aware of the debt on my credit Early XX/XX/XXXX. I have contacted USAA 10x. Everytime I Call I get transferred 2-3x. I have disputed my credit report several times. USAA has not sent proof that the debt belongs to me. In XX/XX/XXXX I called XXXX   fraud department to dispute the validity of the debt on my credit. The XXXX  fraud representative has called USAA on the phone 3 way to dispute the information. Even sent police reports and a fraud packet. Still no resolution. 
On XX/XX/XXXX I once again called USAA I was transferred to 5 different times. You can speak directly to the fraud department I was told by the last representative I spoke with that there were several fraud investigations opened from when I had been calling in all year but yet no one has done anything. USAA refuses to anything. There not investigating or they havent provided any documents proving I opened the account or it belongs to me. It still remains on my credit and when I dispute it as fraud all they respond to the credit bureaus is updating the data on the collection. I had a fraud alerts on my account when the account was allegedly opened and I was never contacted by USAA to verify my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2018-06-04
Company: EQUIFAX, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On Friday XX/XX/XXXX, I tried to create an account on the Social Security website. The website asked me a series of identity verification questions that I later learned are generated by Equifax. These questions referred to " may '' have accounts of various sorts ( mortgages, auto loans, retail cards ) which I do not have and in some cases have never had, and I know this with certainty. In addition, the street address question didn't list a street name that even remotely  resembles a place I have ever lived. 

To troubleshoot this I tried to obtain my free Equifax report - assuming it would list a series of wrong loans that were generating the questions. Or perhaps, it would show that I was a victim of identity theft. The XXXX site, however, asked me _the same exact questions_ which of course, I was unable to answer. I then spoke to person at Equifax who was able to verify my identity - but could only mail the credit report to my home. I then ( because I was in a hurry ) paid to get my credit report ( they had no trouble verifying my identity when I was paying ). Interestingly, the credit report did not show any of the loans that were referenced in the erroneous questions. 

In the meantime I submitted a complaint about the erroneous questions, because I still want to create an online Social Security account. I left a voice mail at their department that is responsible for generating these questions, which is apparently in XXXX. As of XXXX, XX/XX/XXXX, I have not heard back. In the meantime I tried the Social Security site again, but it once again asked wrong questions about non-existent loans or inaccurate street names. 

It's clear the Equifax 's question generating software is wrong. This is depriving me of the opportunity to get an online Social Security account, and thereby requiring me to go to the office in person, which is a significant time expenditure for me. It's surprising to me that Equifax is allowed to have this contract for identify verification when its software is so clearly flawed - especially in the aftermath of the cyber breach. I did not have any similar problems with the other providers ' sites.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received this card in the mail. We did not and have never applied for this card. The card is a Reliacard from US Bank. I called the customer service number on the card but they will not answer the phone without giving them additional information.

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 2020-10-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received the response in regards to the inquiries The creditors have been contacted and notified prior to the initial complaint. The creditors noted, and they stated that they have no evidence that I initiated these inquiries, either written or otherwise, and could not provide me with a permissible purpose. As these inquiries are both unauthorized and unsubstantiated, I request they be deleted from my credit report. Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per section 604 ( a ) ( 3 ) ( f ), a consumer reporting agency may only furnish a report I initiated. No evidence supports I initiated this request, I request these inquiries be removed from my credit report as per section 611 ( 5 ) ( a ) ( i  ). *XXXX  / XX/XX/2020 *

Company response to consumer: Closed with explanation