BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: DC
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 called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX XXXXXXXX XXXX XXXX The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN

claims on my credit file. Furthermore EXPERIAN ha
s claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

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 2021-04-21
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer Financial Protection Bureau, I am contacting you regarding a company Transworld Systems Inc. ( TSI ). They have made numerous collection calls to my person cell phone attempting to collect a debt on a person I have no relationship to ( XXXX XXXX? ) and no relationship to this debt. Attached is a letter that further described this situation, verification my cell is on the national do not call registry, cease and desist letter, call log, documentation from cell phone carrier, and whiteness statement. I have also provided documentation of hundred of complaints that were submitted to the XXXX  to support they are a repeated offender. 

I have sent this via certified mail. I attempted to resolve this matter via e-mail and phone. My phone calls was not returned. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Risecredit, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed account on my credit report held by : XXXX XXXX RISE CREDIT on several different occasions. Credit bureaus keeps sending back verification without information as to who they got information from within debt collection agency. They state they will not reinvestigate conflicting information on my credit report I disputed reporting information XX/XX/2019 and XX/XX/2019 Account is being double reported against laws FCRA. There is also conflicting reporting of balance owed. Account was also changed from paid in full to charge off status in XX/XX/2019. I was never sent a re-insertion letter from this status change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: WELLS FARGO & COMPANY
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX ) A charge of {$16.00} was processed on my Wells Fargo credit card on XX/XX/XXXX ( Can be found in the pdf statement dated XXXX ). Reference number XXXX XXXX ) I got a notice of a pending payment on my credit card, so I paid the balance off on XX/XX/XXXX ( Can be found in the pdf statement dated XXXX ) XXXX ) I realized the transaction was a fraudulent transaction and reported it to Wells Fargo ( Can be found in the image file XXXX ). 


XXXX ) WF fraud team got in touch and wanted me to contact the merchant ( XXXX ) directly. I got in touch with XXXX and got the charge revoked. The card was linked with a different user account ( no information on whose account it is ). Card unlinked from account XXXX ) WF fraud and customer care team confirmed that transaction has been disputed, promised written resolution and refund of paid amount ( {$16.00} ). Credit card cancelled due to fraudulent transaction XXXX ) Same charge re-appears in the statement a couple of months later ( Can be found in pdf statement dated XXXX ). Interest has been charged, the payment is not reflected and a late payment has been reported to the credit agencies XXXX ) I try to get in touch with XXXX fraud team online and over the phone. No response from either team XXXX ) I physically go to a XXXX branch and have a staff member connect me with XXXX fraud team. I am assured that my balance is clear and my credit report is clear as well. I checked my credit score and the late payment is still on my record ( as of XX/XX/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 monetary relief
Consumer complaint received 2022-07-31
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Called PNC Bank in XX/XX/XXXX to have PMI Automatic cancellation per following conditions having been met. When loan principal balance reaches 78 % of the original value of property and are current on your loan payments, with good payment history. This is the 2nd mortgage I have had with PNC Bank since XXXX, 1st mortgage was a 15 year loan paid off in full in 10 years. Current mortgage is a 30 year loan, always paid a month ahead of due date with extra principal added to monthly due amount to have said mortgage paid off ahead of said loan term, just like I have done in the past with PNC Bank. This is why I choose PNC Bank to service my current mortgage needs, because I had satisfactory business relations with them in the past. Under the ( HOPA ) Act of XXXX I believe I have exceeded all eligibility requirements for Automatic Cancellation of PMT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2022-12-08
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
jefferson capital keeps contacting me about a debt i do not owe {$1200.00}. I have called in many times over the years to tell them that is not mine i have never had an account with the original creditor XXXX  XXXX XXXX and they stop for a while then continue to send me out written notices about the same account that i have already said i don't owe its been going on over seven years now i just found out about this resource your company offers so i reached out to get this resolved its not being reported on my credit so i couldn't file a dispute about it. its really just annoying at this point. 

JCS  Reference number XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: MECHANICS BANK
State: AZ
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:
Mechanics Bank Auto Finance has ruined my reputation by reporting credit inquiries to the XXXX. I did not consent to Mechanic Bank Auto Finance reporting these inquiries. XXXX has allowed Mechanic Bank Auto Finance to report a late payment. 
how is it possible to report a late payment in a consumer credit transaction that involved a finance charge. 15 USC 1605, the finance charge is the sum of all charges In a consumer credit transaction. what is a late payment defines by law?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My name is XXXX XXXX. I have been having an account issue with y'all getting my accounts deleted, and y'all support team isn't resolving it. My username is XXXX account XXXX address is XXXX, and my other account email is XXXX. Please delete that account, too. For that XXXX, I don't have the XXXX every time I try to delete it, and it says I have a pending dispute open, and I don't. My chat case number to review my issue is # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX AND XXXX # XXXX THEY HAVE 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 explanation
Consumer complaint received 2022-12-08
Company: CITIBANK, N.A.
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I attempted to purchase a CD from Citibank online. The purchase appeared to be successful but at the end of the process I got an error message that said Citi was unable to create an account and I should go to a branch. I visited a branch and they were unable to create the account but they informed me that if the money wasn't withdrawn on the same day, the transaction would be cancelled. As a precaution I disabled the XXXX access to my XXXX account that Citi had requested. The next day I purchased a CD from another institution. Today I discovered that my XXXX account was overdrawn because Citi had withdrawn the funds. I called Citi several times in an attempt to resolve the issue and cancel the CD. They informed me that the CD can not be cancelled without penalty, yet they are still unable to create an account online for me, so I am left with a product I have no access to ( since they can not create an online account ), which I didn't want in the first place.

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 2022-08-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized credit inquiries on my credit report, I have spoken with transunion, Equifax, and XXXX about these inquiries and they failed to do anything. I have also submitted several disputes via online and nothing still has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My lease with XXXX XXXX was to end XX/XX/XXXX. I paid th rent cleaned out the Rental, they didnt send anyone out to inspection the facility until XXXX XXXX. I repeatedly attempted to collect my deposit. I finally got a call saying that they felt like there was enough ware on the house to keep the deposit. The new management then added my name to the delinquent list in XXXX of XXXX. Almost three years laters and XXXX have an entire new staff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: SANTANDER HOLDINGS USA, INC.
State: MD
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:
I XXXX XXXX am a natural born person I am the actual person submitting this dispute. This is not a third party. After reviewing my credit profile I identified multiple discrepancies with accounts listed as XXXX XXXX XXXX XXXX  account # XXXX and Santander Consumer USA account # XXXX They are reporting inaccurate last activity date and high balance to all Credit bureaus. A validation and update to my report has been requested. 

15 U.S.C 1681s-2 Responsibilities of furnishes of information to consumer reporting agencies ( a ) Duty of furnishes of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge if errors. 15 U.S.C 1681e States ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened an account with Synchrony Bank for a credit card through Sam 's Club. Everything was great for the first 10 months. I paid the bill in full, every month and on time.

Two months ago, I was unable to get online to look at my statement and pay my bill. I went to Sam 's Club to pay what the automated telephone line said I owe, but I have no idea what was charged, or if previous payments were processed on time, because I can't access my statement. I called customer service twice and when I got a customer service agent, I was immediately put on hold, mid-sentence with no explanation from the agent. I waited and no one ever came back. Called again and same thing happened. 

I want to close this account, but where's the address to do so? Complaints online of mail-in payments not being recorded, or mail being sent back by the postal service is concerning. Other customers are also experiencing these issues. I'm sure you're aware of that. 

I contacted Sam 's Club corporate to get them involved. And I complained to my local club. Apparently you can open an account easily and pay there, but you can't close the account through them either. Can you help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Aldous & Associates, PLLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Lendmark Financial Services
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: Account status incorrect

Complaint:
I recently settled my account for less than the full balance. The company agreed that they would report this correctly on all of my credit reports after 30 days. However, through XXXX they have recently reported that I owe the previous balance of {$5500.00}. In addition, my XXXX report shows {$0.00} balance ; yet, it still reads " charge off '' when it should read " settled for less than full balance '' in the remarks section. They agreed to settle for {$1600.00}. It is now XX/XX/XXXX, almost 90 days since I have settled with them. I completed settlement payment on XX/XX/XXXX, and I expect my credit reports to accurately reflect the current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: Experian Information Solutions Inc.
State: DC
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 called EXPERIAN on XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by XXXX  XXXX XXXX. The alleged creditor XXXX XXXX XXXX is a third- party collector which is a violation of 18 U.S.C . 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave EXPERIAN permission to take my information. 

EXPERIAN have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with XXXX XXXX XXXX. EXPERIAN has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support EXPERIAN claims on my credit file.

Furthermore EXPERIAN has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which EXPERIAN is in violation because I was not given any type of these reports in this investigation.

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy, and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.

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