BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: DISCOVER BANK
State: MN
Product: Credit 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:
I was in an XXXX relationship with my now ex boyfriend. I was with him in XXXX for about a week, and I am from Minnesota. I had no privacy, and he had access to everything of mine. He knew all of my passwords and was able to go on my phone whenever he wanted and I was very afraid of him. I made reports with the police and my father had to come help me leave because I was so afraid he would XXXX me if I left. 
I was not aware of it at the time, but he put my discover credit card on his XXXX XXXX and maxed it out. I did not have any control over this as I had XXXX privacy and was scared. 
When I was able to get home, I realized that my credit card was maxed out as my card was being declined. I was not sure about what my exact balance was as I was going through so much, but I did know for a fact that it would not be maxed out. I have a {$1500.00} limit and I expected it to be at or around {$700.00}, so I knew that something was going on. 
I went on my recent transactions and saw that there were charges made in XXXX off of my card while I was literally in Minnesota. I can back to Minnesota on XX/XX/XXXX. 
I immediately called discover and I was crying. I reported the fraud and it was taken off of my account. I explained how I left an abusive relationship and I was scared to report it because I thought he might get mad at XXXX  me. I said I think it was my ex boyfriend because he had access to my phone and its password, and there were also charges that would align with him. For example, there was a charge at XXXX XXXX and he is a student there. There were also purchases made at places like XXXX XXXX and XXXX which are specific places I know he likes. I gave discover his contact information and explained how I was in an XXXX relationship and did not authorize those charges. I had no control over what was purchased, and I was not aware of the charges. I was in a very unsafe position. 
I have never made a fraud claim before and I am a very honest person. I do not know why they are not allowing my fraud claim. Discover claims that charges that are not authorized by me are not my responsibility, but clearly that is not the case. 
Additionally, there were charges made in XXXX when I was back home safely in Minnesota. I obviously wasnt even in XXXX because there are other charges on my account from places in Minnesota. I do not understand how they can disregard that. He used about {$300.00} on my credit card while I was using it in Minnesota. He is not an authorized user.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I got financed with XXXX XXXX XXXX they are located In California. I got the car XX/XX/XXXX. In XX/XX/XXXX, the loan was Paid Off. I was XXXX from my job of 18 years. XX/XX/XXXX & XX/XX/XXXX, paid late. It is Now XX/XX/XXXX, years later. I have hired XXXX XXXX XXXX and hired XXXX XXXX  for years. I Mailed Many Many Certified to XXXX XXXX, with No Response! No Luck getting the Negative Derogatory Mark, impacting my Fico Credit Score. Please Help! 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 non-monetary relief
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family.

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 2022-09-21
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: MO
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 recently reviewed my credit profile and noticed accounts that I do not Identify with. I also noticed several inaccuracies and or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- Congress states that a consumer report does not include, transaction or experiences between the consumer and the person making the report. How you use it is your line of credit is payment history which is considered your transaction.

Furthermore, under the Fair Debt Collection Practices Act ( 15 USC 1692b ( 2 ) is prohibited for 3rd party debt collectors to communicate with credit reporting agencies regarding the collection of debts before obtaining written consent.

The law is very clear as to the Civil liability and the remedy available to me for negligent '' noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. These kind of errors are embarrassing and costly. I am being affected emotionally and financially because of these errors.

You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified with no tangible proof.

15 USC 1681 ( b ) 2 permissible purpose as it ( inquiries ) 15 USC 1681 ( s ) 2- prohibited from reporting info that they know to be inaccurate canceled debt ( charge off ) income cant be reported as debt define by IRS as gross or ordinary info.

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 2021-01-17
Company: Paypal Holdings, Inc
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Paypal put a rolling reserve on not one but three of my accounts and I no longer can log into my account nor have they paid me could you please look into this farther.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Westlake Services, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I recently found out that my auto contract with XXXX XXXX and Westlake Financial services was fraud and exercised my rights to rescind signature under 15 U.S. Code 1635 due to down payment and warranty was added on to finance contract when no other instruments are supposed to be added in financing charges along with insurance premiums which was not disclosed as well. This is violation of consumer law 15 U.S.Code 1605 ( c ). I was also made to provide my own insurance when it could have been provided with insurance premiums but were not disclosed. I also have been illegally repossessed before without notice and was made to pay outrageous fees to get vehicle back. XXXX XXXX. XXXX XXXX is reporting to Credit Bureau when bill of sale was made with dealer XXXX XXXX which is a violation of consumer law under permissible purposes. 15 U.S. Code 1681. Both dealer and finance company has been notified via certified mail as of XX/XX/2022 and XX/XX/2022 with no response as of XX/XX/2022.

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 2022-06-07
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/XXXX I authrized a payment of {$43.00} on XXXX acct # XXXX when XX/XX/XXXX came I found out that my promotional rate had ended taking my {$800.00} balance to {$2800.00} I was very upset to hear this information since I had just paid the bill on XX/XX/XXXX and no letter no email was sent to inform me of these upcoming changes. After learning of these new charges I CLOSED the account without payment on XX/XX/XXXX and to this day never authorized or consent to any payments or payment arrangments on said account. XXXX then started Reporting on XX/XX/XXXX on my credit file payments made from XX/XX/XXXX till XX/XX/XXXX then the account went back into 30 days late status on XX/XX/XXXX the account reached charged off status on XX/XX/XXXX then XXXX started reporting additional payment made from XX/XX/XXXX thur XX/XX/XXXX after the account had been c/o and sold. I have reached out to XXXX several times in regards to this issue and they have continued to make minor changes to my report giving it a updated status when the issue has never been addressed which is ( WHO AUTHORIZED/CONSENTED ) to these payment that's been applied to my account without my consent I have never contacted XXXX to this day about payment when I asked XXXX who how these payment came about they have never addressed my concern only directed me to the debt buyer ( XXXX  ) my concern Is not with who owns the debt. But the information XXXX is reporting on the original debt that only XXXX has reported not XXXX XXXX reporting such payments received has ILLEGALLY changed my date of first delinquency and is FALSELY manipulating the statue of limitation on how long a lender can report a debt. not only that XXXX has flipped flopped so much information so many times including changing my first date of delinquency from XX/XX/XXXX to XX/XX/XXXX from a charged off account to repo account and back to c/o account after certifying with the three major credit bureaus all information is accurate and true each time admitting one of XXXX reps made an error in reporting my information still refuse to delete the trade and still to this day can't explain to me how these payment came bout without my knowledge or consent I have also reported Alphaeon for FRAUD, WASTE, MISCONDUCT so that this matter can be investigated to the fullest of the law. I am the solo owner of this account and I mad no such payments never agreed or consented to many payments, payment arrangements made after XX/XX/XXXX in the amount of {$43.00} which in fact would make my first 30 days late XX/XX/XXXX .... how did these payment come about on my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
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: Account information incorrect

Complaint:
XXXX has put information back on my credit report from USAA, which is in accurate and falsely reflects that I had a late payment history with this company. I am attaching the supporting documentation I have already written an affidavit which stated that this was false reporting done by USAA. XXXX continues to report this false information which makes it fraudulent. 
I have attached copies of the billing which I requested from USAA. This clearly shows that I had no minimum payment due, and no late payments. The account was closed in XX/XX/XXXX. They continued to hold the account on an open status after I was told that it was closed and they terminated their banking relationship with me. This is where it created the so-called late payment however, how could I make a payment for something that I wasnt even aware it was due? This is truly deceptive. Note that the statement with a due date of XX/XX/XXXX says XXXX balance and payments of {$4800.00} that was the last payment made as of XX/XX/XXXX. XXXX is also reporting this false information. I enclosed a copy of my XXXX report, which does not correlate to the billing from USAA. This is false reporting. The XXXX report says the account was late from XX/XX/XXXX to XX/XX/XXXX, however that contradicts the billing furnished by USAA. It also contradicts the date closed reported by XXXX of XX/XX/XXXX, and below that it says XXXX of XX/XX/XXXX! Clearly this is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was recently transferred to 53 Bank back in XXXX. Ever since I've had multiple issues with payment allocation where I request the payment to be applied to the payment schedule but it is applied entirely to the principal. This has happened 3 consecutive times in the last 3 months where I make a payment online and the payment is misapplied. This requires extra time going online and having to wait for a representative to submit a formal request to reallocate the funds. This is the worst servicing company of the XXXX I've had to deal with, they won't even allow you to set up recurring payments unless you have an account with them... This bank should not be allowed to service mortgages if they don't have the proper systems in place to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Financial Data Systems
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Financial data systems is reporting a collection of {$85.00} on my credit report which is a medical debt collection they are reporting - arent medical collections under {$500.00} supposed to be removed from Credit files? Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Paypal said that there would be a XXXX hour hold while they reviewed my transaction for security purposes on XX/XX/2022. The confirmation email said the money would be available for my recipient " on or before XX/XX/2022. '' Today is XX/XX/XXXX. The money is still not available for my recipient. Paypal debited my account- {$2000.00} on XX/XX/2022. I can not get in touch with a live person at Paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have requested on at least a dozen occasions via XXXX mail that my name, address, and work information is updated and corrected. I also requested more than a dozen times to have all the other unknown addresses, names, employers removed. A copy of my valid drivers license, a utility bill, and a check stub was sent in to all XXXX credit reporting agencies. My employer information was updated, as well as my address, however the unknown names as well as the incorrect information was never removed. I have multiple credit monitoring services so when changes happen, I am alerted. There are multiple incorrect spellings of my name, and unknown addresses as well as employers on my credit profiles. I have sent in verifiable information and a letter of request to have all other information removed, it has not been..

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 2022-06-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
N accordance with the Fair Credit Reporting act Accounts XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
State: LA
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 this information ( bankruptcy ) on my TransUnion credit report, and it came back verified by the court. I reached out to the Clerk of the Court and the letter is attached stating they do not release any information to the Credit Bureaus. 
Please help me to resolve this issue. I am trying to improve my credit. I would like to buy a house. This is causing a lot of stress.

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 2022-04-25
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Act. The Account below violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 This vehicle was repossessed by XXXX XXXX XXXX in the State of CALIFONIA on or about, XX/XX/2015, and resold. 

Under the laws of the State of CALIFONIA UCC XXXX and State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

XXXX XXXX XXXX Account number 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 2022-04-25
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
XX/XX/22 DSNB MACYS XXXX XXXX XXXX XXXX. We have disputed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief