BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: DISCOVER BANK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am consumer and I am submitting this complaint without any other party or credit repair organization. I despite several request for Discover Bank for compliance to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) instructing Discover to cease furnishing and remove my nonpublic personal information associated with any account or inquiry from any and all consumer reporting agencies, to include XXXX, XXXX, XXXX. Discover has dishonored my right of privacy and confidentiality in disregard of 12 CFR 1016.15 ( a ) ( 1 ) and the congressional findings of 15 USC 1681. 
Enclosed is a letter dated XX/XX/2022 received by Discover refering to an inquiry instead of the disputed non-public personal information alleging to be the XXXXredit Consumer Financial Protection Bureau Management as deceptive and unfair practice in violation of 15 USC 1611 and the Fair Credit Reporting Act impersonating 15 USC 1692e ( 1 ) the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: VA
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:
This is a concern about the policies of the credit agencies, not a current error in my score/report. I have a single account with a credit/debit card. This is all I've needed for years to manage purchases, etc. I have an excellent credit rating except for XXXX of the components of the score : number of credit cards owned. Because of this XXXX component, my score drops from excellent to " fair ''. 

It seems wrong to me that, their score requires me to purchase a service ( a new credit card ) which drives usage of their services in order to receive a better score that influences all kinds of other things ( ability to finance a car, house, get internet service, etc. ). 

Seems to me this is an unfair practice on their part. It's completely fair to measure me against my ability to pay for the services i already have, but unfair to make me buy more services to improve my score. 

Thanks for reviewing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TD BANK US HOLDING COMPANY
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: Problem with personal statement of dispute

Complaint:
Date opened XX/XX/XXXX Charged off XX/XX/XXXX Paid/settled XX/XX/XXXX I have contacted TD bank / target credit. After settling and paying off this collection they told me in 7 days. XX/XX/XXXX they would email me a XXXX balance letter and in 30 days a final settlement will come in the mail. The account is verified paid and not owed. This company is not allowing me to remove and delete the file on my consumer report. This account is closed and settled. It is my responsibility to monitor my consumer report. This negative reporting by this company is stopping me from renting an apartment. I need it removed and deleted off my account immediately. I can provide the information proving leasing desk is using this collection against me and it's hurting me. please remove and delete. I have rights to say who can report on my consumer report. Please contact them, they do not have the right to deny a deletion which was reported on my account deny me my rights and breaking federal law. Thank you again this is an attempt I am asking to politely remove this account which I can no longer use or open. Collection is verified as paid and not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX ; Wells Fargo withdrew XXXX from my personal checking account XX/XX/XXXX ; Wells Fargo withdrew XXXX from my daughter 's personal checking account This was based on... 

XX/XX/XXXX ; my partners in XXXX XXXX XXXX ; opened a Line of Credit without my information since I left the company and was working for another employer XX/XX/XXXX ; XXXX XXXX,, CEO of XXXX XXXX XXXX ; requested settlement of the Line of Credit XX/XX/XXXX ; I came back to XXXX XXXX XXXX to shut down the organization ; requested Wells Fargo Compliance to review the fraudulent Line of Credit account since I never signed the agreement; this is when I discovered someone applied my electronic signature, so I requested a log of how this electronic signature was obtained. 

XX/XX/XXXX ; XXXX XXXX XXXX received noticed from compliance that the LOC was closed ; and they sent a check to XXXX XXXX XXXX for the inconvenience regarding this matter XX/XX/XXXX, I requested that the LOC be written off the books for XXXX XXXX XXXX since this smatter was settled XX/XX/XXXX ; I shut down the XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX, I received settlement letters from Wells Fargo for the Line of Credit for {$5000.00} ; I ignored based on the understanding this matter was closed XX/XX/XXXX, I received a letter from Wells Fargo collections XX/XX/XXXX ; I requested a review of this matter ; Wells Fargo told me to get legal representation XX/XX/XXXX until XX/XX/XXXX ; I tried to find someone to help and did not know where to begin to request help; until I heard about consumerfinance.gov on the radio

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 2022-08-03
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a XXXX XXXX Credit card that was charged off in XX/XX/XXXX. I started a payment plan with XXXX XXXX in XX/XX/XXXX to pay off the charge off in 4 monthly installments. The last monthly installment will be in XX/XX/XXXX. My recent Equifax credit report is showing a late payment after my third installment payment. It changed from 120 days overdue to bad debt / collection as marked on my Equifax credit report. Since this account was charged off in XXXX, the resumption of payments in XXXX should not be reflected as late payments. Please remove this recent late payment information from my Equifax credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX  Acct # XXXX, XXXX acct # XXXX has voilated 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 with 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 2022-08-24
Company: EQUIFAX, INC.
State: NY
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 has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 

In accordance With the fair credit reporting act XXXX Account # XXXX XXXX XXXX Bank XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions. 



In accordance With the fair credit reporting act XXXX  Account # 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 1681Section 604 A. Section XXXX. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: NY
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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681Section 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 explanation
Consumer complaint received 2022-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have previously submitted a claim to a bank of America for some fraudulent charges made on my account. However, the claim was unresolved. I am submitting an appeal because I have not made those charges and I am not responsible for them. Please reinvestigate this matter.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX. XXXX have not engaged with me in any contract nor services or goods exchanged, therefore I have no legal obligation to XXXX. 
2. I am being extorted by fraudulently posting incorrect information on my credit report to " pay to delete '' illegally furnished data to Transunion and XXXX. 
3. I have requested the following from XXXX and Transunion and have only received that it is verified but did not provided proof : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any Insurance claims been made by any creditor regarding this account.

Any Judgments obtained by any creditor regarding this account.

Amount of alleged debt. INCORRECT REPORTING Date this alleged debt became payable. INCORRECT REPORTING Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt Commission for debt collector if collection efforts are successful. 

It is illegal to furnish incorrect information on my credit 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 non-monetary relief
Consumer complaint received 2022-12-28
Company: Paypal Holdings, Inc
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is a complaint against PayPal and PayPal Credit located at PayPal and PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PayPal XXXX XXXX XXXX XXXX XXXX. La XXXX, XXXX XXXX PayPal XXXX XXXX XXXX XXXX XXXX, FL XXXX Fax # XXXX Phone # XXXX Dear PayPal and PayPal Credit : Both should be responding this complaint and one should not be without the other for this issue or matter is in nature to a disputed filed and submitted in a timely manner in which they failed to do anything about it as I have produced and provided them with all timely related records and communication until the point that I will not continue to do any further business with either party until they can show me that I received what they are trying to charge me for or hold me full responsibility for.

PayPal Credit knows that I notified both parties PayPal and PayPal Credit and I rebuttal and disputed this charge that is on my statement.

I am only going to pay for only merchandise that I have received point blank and in accordance with the Federal Debt Collection Act that is only what I am going to do. Therefore, PayPal Credit has no reason to contact me any further because I don't have a debt with their office or their account.

Show me what I am being charged for that you think you can add interest and late charges on.

Claiming that a timely filed dispute by the consumer did not work out in such consumer favor is bogus when the consumer notified the creditor for the credit to immediately notify the merchant and request the merchant to produce the product which you are trying to make the consumer be responsible for and the merchant can not produce the software or software package under warranty which such charge is supposed to be legit. I don't pay for anything that I never received and if they allowed it to go on or go through it is the merchant or credit institution 's duty and responsibility to address, deal with, and correct it. 

This matter of concern in regarding this issue or matter in nature of this dispute has been exhausted with I will not make any more payments in regard. Since you know so much about this merchant, please send the full and complete physical address of this merchant which should be a XXXX XXXX address. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I will only pay off the balance for the items that I have received and nothing else. I dont need to say anything else except not to send me any further communication or billing in regards. Thanks, XXXX XXXX XXXX : Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/2022 I checked my personal email. Upon reviewing the emails that were sent, I came across one from XXXX XXXX that my score had gone down by XXXX points! Wondering why so many points have been taken off of my score, I see that there was an unauthorized hard inquiry from XXXX XXXX Bank for a credit card request. This inquiry was requested via Transunion. 

After reviewing this information, I immediately contacted Transunion regarding this fraudulent activity. Transunion asked that I contact XXXX XXXX which I have done and to file a complaint with the FTC and request a letter. After speaking with XXXX XXXX they informed me that the account would be closed and the inquiry would be removed from my report. I do see that the card was closed, but the inquiry still remains and my points have not been returned.

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 2022-08-03
Company: American Credit Acceptance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In the spring of 2020 I attempted to setup autopay with American Credit Acceptance and was under the impression through their website I had enrolled my debit card to auto draft on payment dates. During this time I took a long vacation, but had ensured during my extended time away I had all my financials updated and set to be paid accordingly. In XXXX of 2020 my auto loan was over 30 days behind, and the lender marked this as a repossession. At the time I was made fully aware of the situation, I paid all outstanding fees, along with my late fees the moment I found out of the issue. In doing so, I demanded that they mark this as a late payment only, and not to be classified as a " repossession '' since I was willing to pay all fees involved and this was not a result of me not being able to pay the monthly amount. They told me they would only have this marked as a late payment, and I settled the entire balance immediately. This year I refinanced my truck with my bank to get better terms, and because of how difficult everything with American Credit Acceptance had been during the time I used them as a lender. Now, I am trying to buy a house, and my credit report is showing " auto repossession '' and making it very difficult for me to get approved for any mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
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 belongs to someone else

Complaint:
This isn't my account. Please remove it.

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 2022-08-03
Company: EQUIFAX, INC.
State: UT
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:
On XX/XX/2022, I received a notification that there was a hard inquiry on my credit report from XXXX XXXX XXXX - CPU made on XX/XX/2022. I did not recognize this inquiry, and I had not used or applied for credit to make any purchases. I contacted XXXX 's on XX/XX/2022. The person I talked to could not help me but took down my information to have someone call me back. Nobody from the company ever called me back, and I received another notification that there was a second hard inquiry from XXXX 's on XX/XX/2022. I called XXXX 's again on XX/XX/2022, and they said someone had tried to buy a laptop on credit in my name on XX/XX/2022. I did not try to buy a laptop, and if I had, I wouldn't have needed to apply for credit to do it. I told XXXX 's that the person who was trying to get a laptop was not me. They said someone would call me back, but I have not heard back from them. 

I contacted Equifax, the company where the hard inquiry showed up, to ask them how to resolve this issue. They directed me to file a complaint with the Federal Trade Commission and to send in the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Upon " checking out '' my purchase of a hotel room at the XXXX XXXX website I was prompted by a XXXX XXXX JPMC credit offer of a 0 % Promo APR for 6 months if I applied for and was approved the card. I received a credit line for that card and completed my purchase. After receiving the paperwork for the card I could see that that purchase did NOT qualify for the 0 % promo APR that was advertised to me as I was checking out. I called Chase and spoke to a representative and their supervisor and was told that nothing could be done. I understand that it was all there in the fine print but that doesn't mean that the offer was not deceptive or misleading. Now I'm on the hook for the entire balance the on the first bill unless I want to incur the interest fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: Comerica
State: MN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
More than one company was talking out of my debit Directexpress government card and they went and found that different companies were talking over XXXX dollars and Direct Express decided I didnt deserve to get my money back and they wouldnt let me appeal it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: MI
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:
I opened a line of credit with XXXX on XX/XX/2022, which is NOT reporting to the credit bureaus, why?

Company response to consumer: Closed with explanation