BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-05
Company: DISCOVER BANK
State: DE
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX charged me twice for the same booking, once on XXXX on my XXXX card ( which I authorized ) and once on XXXX on my Discover card ( which I did not authorize ). The XXXX billing is handled through XXXX. XXXX only had my Discover card number from authorized charges several years priors. XXXX has been unable to credit the double-billed amount although they do not dispute that a credit is owed. They suggested that I contact Discover to get the credit, since I did not authorize the charge to Discover. Seems reasonable. 

I have been on 7 different phone calls with Discover, including the last one to XXXX in their XXXX XXXX XXXX group. The first person at Discover to whom I spoke instructed me to get the documentation from XXXX to show the duplicate charge. I have done that ( see attached ). I uploaded it to the Discover system that I was directed to use for this. Discover confirmed they have the documents. Still, they refuse to issue the credit. This is an unethical business practice. 

After spending several hours on the phone with various Discover reps, supervisors, managers, and two " advocates '', I got nowhere. So I emailed to the CEO of Discover and the EVP of Discover. Neither of them has responded to me. I can see that they received my emails because they are apparently delegating my emails to their XXXX XXXX XXXX group. But that is the group who is refusing to provide the credit I am owed. They also refuse to contact the merchant to confirm the facts. 

Here are the dates and people with whom I spoke. None would provide their last name : XX/XX/XXXX XXXX in Utah XX/XX/XXXX XXXX in Ohio XX/XX/XXXX XXXX in Ohio XX/XX/XXXX XXXX ( XXXX XXXX XXXX in Delaware ) XXXX XXXX XXXX XXXX XXXX XXXX in Delaware ) I sent emails that went unanswered to : XXXX XXXX, Discover XXXX - XXXX XXXX XXXX, Discover XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: NC
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:
My name 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Bought vehicle from person that had a loan at Truist Bank. My bank paid off his loan, but Truist will not send my bank the title. Myself and members of my bank have reached out to Truist several times, they will not respond and refuse to give my bank the title. They will only give my bank a letter saying that the loan was paid and they no longer have lien on the vehicle. It's been six months and I still can not get my vehicle registered in my state, with no registration, I can't use it. 
The title is currently registered in another state, we reached out to that state and they said truist bank is the only one that can release the title, the letter they gave us is no good.

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 2023-01-05
Company: Experian Information Solutions Inc.
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:
account balance amount is incorrect and this account was : 1 ) included in XXXX 2 ) Last date of payment is incorrect. The last date of payment was in 2015.

3 ) Account with balance owed is incorrect - Charge off amount showing $ 15K more than purchased amount 4 ) Past the Fair Reporting Act - seven years reporting limitations re

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 2022-11-01
Company: Experian Information Solutions Inc.
State: NC
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:
My name 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-08
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Shellpoint is a Mortgage company. I need them to add to my Credit report that XXXX, XXXX, and XXXX have been paid for the year of 2023. The account is closed and they will not help me to fix my credit report. I am XXXX XXXX  and am having a very hard time needing help solving this problem. I can not access to the account because they said is closed and can't help me anymore. I am trying to buy a home, is very frustrating knowing that I have no home and can't get a Loan till Shellpoint add the XXXX month to my Credit report that those XXXX months have been paid. Please help me fix this problem so my Lender can help me get a loan so My family can be in a home. I am XXXX and would appreciate getting the help I need here, I can not talk over the phone, But can be reached at XXXX. Hope to hear from you son. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
This is just how ___ up this system is. I paid OFF a debt that was the result of a weather catastrophe ( had to buy a generator after a CA state natural disaster ), and Experian and likely the other two bureaus LOWERED by credit score by XXXX points! 

This system is truly so horrible. I paid OFF A DEBT. I am interested in PAYING OFF MY DEBTS but in America, they hold this AGAINST YOU. This system is sick. It does not serve US.

I demand to know why they LOWERED my credit score and I am really tired of posting these complaints but nothing changes in the system itself. Why does CFPB even exist? We don't get it.

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I was unable to log in to Experian using my password and was unsuccessful so I decided to select Forgot Username even though I was positive that my email address was correct. I only have 2 email addresses and this is not one of them. EXPERIAN HAS ALLOWED SOMEONE THAT IS NOT ME TO ACCESS MY ACCOUNT AND CHANGE THE EMAIL ADDRESS SO THAT I NO LONGER HAVE ACCESS TO MY ACCOUNT. I receive a security email from companies whenever I update information on my account notifying me that my account has been updated. I never received an email from Experian. I have tried calling but the automated system never allows you to connect with an actual person so I am following their process to send information via mail. 

I was a victim of fraud in late XXXX and almost 3 years ago to the day I sent a letter requesting a Security Freeze and it is distressing to now discover that Experian, a company that is supposed to be protecting me, has allowed someone to breach my account and change the email address so that I no longer have access to my account. 

I have done some research and have discovered that this has happened to others : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022, XX/XX/2022, and XX/XX/XXXX i sent disputes to the bureaus to remove the accounts listed below and they did not remove them or send me validation of the accounts. 

Sec. 609 of fair credit reporting act.

Sec. 602 i have the right to privacy. 

XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Please remove immediately.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX XXXX XXXX, XXXX XXXX XXXX and XX/XX/XXXX i sent disputes to the bureaus to remove the accounts listed below and they did not remove them or send me validation of the accounts.

Sec. 609 of fair credit reporting act.

Sec. 602 i have the right to privacy. 

XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXXXXXX Please remove immediately.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Transunion continues to report a bankruptcy on my credit report and has stated that it is verified even though they are verifying the status through XXXX. XXXX advised that the bankruptcy reported has been removed from my credit report since XX/XX/XXXX but Transunion continues to report it. Transunion advised that they have not used XXXX since XX/XX/XXXX but continues to report false information given to them by XXXX. The New Jersey XXXX XXXX does not verify any information relating to consumer reports with credit reporting agencies. Transunion is reporting Inaccurate information on my consumer credit Report. This has caused damages and is a violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. Transunion has been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing, etc. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. Transunion has been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.

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 2022-11-01
Company: Experian Information Solutions 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:
Update personal info, Delete the accounts violating the FCRA and delete the unauthorized inquiries

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 2022-11-01
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover Card XX/XX/XXXX - First Statement Date {$5200.00} Filed XXXX XXXX XX/XX/XXXX Filed Report with XXXX  Filed dispute with Discover and all XXXX Reporting agencies Requested Original Contract on several occasions to investigate myself. Debt collector only send me statements and refuse to acknowledge my identity theft claim. 
May have been due to XXXX breach in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I am permanently banned from using PayPal and I am extremely dissatisfied with this decision. I have been a loyal customer for several years and have never had any issues with my account. I believe this ban is unjustified and I request a thorough investigation into the matter. Furthermore, I demand that my account be reinstated immediately, as this ban is causing significant financial harm to me and my business. I look forward to a swift resolution to this matter. My Paypal Email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, 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:
n 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 has violated my rights. 
XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX  discharged : # 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 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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: EQUIFAX, INC.
State: GA
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:
On XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

The information that is shown about this fraud bankruptcy on Equifax and XXXX is completely inconsistent. Equifax says the date filed was XX/XX/2019 and XXXX says it was filed XX/XX/2019. They also both have different reference numbers. Lastly, XXXX says the Court is US Bankruptcy Court, while Equifax says it's Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

The information that is shown about this fraud bankruptcy on XXXX and TransUnion is completely inconsistent. XXXX says the date filed was XX/XX/2019 and Transunion says it was filed XX/XX/2019. They also both have different reference numbers. Lastly, Transunion says the Court is US Bankruptcy Court, while XXXX says it's Federal Court.

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