BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: Experian Information Solutions Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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 2022-09-10
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, XXXX  account # XXXX & XXXX, XXXX account XXXX XXXX, XXXX account # XXXX, XXXX & XXXXXXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: MI
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 properly using the us mail and uploading every id document ever requested. I have been ran into circles, stall tactics and dead ends.

I am always connected to a foreign customer service agent that is unable to help me, this is ruining my life. I need help, these credit reporting agencies are unresponsive and unhelpful and violating my rights

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 2022-09-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Replacement card unable to be sent as company is supposedly undergoing system maintenance for 3 months straight. Not able to log in to account to pay card for 1 month due to system glitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Not too long ago tried using electronic transfer with Santander and there was an issue. Multiple times. 
Went to withdraw funds from Santander in person. I went in and asked about charge for cerified checks and was advised it was free based upon account status. Upon returning to bank to get cerrified checks I was then informed there was a {$15.00} charge per check. As I was getting XXXX checks, I did not agree to those charges. I then asked to withdrawal money from account. I was advised I could not withdrawal the amount I wanted from account. 
So I then had to alter transaction again. These changes are occuring in real time because Santander keeps changing policy, as I am standing right in front of them. 
I then decided to do XXXX certified check, withdrawal the maximum amount the bank told me I was authorized to withdrawal on my account and had to leave remaining difference in account! ( Can't make this stuff up! ) Fast forward 1 month later. Today, XX/XX/22. 
Now I tried mobile check deposit and there is an issue. Continous error message! 
The larger concern is who is reviewing Santander banking processes and the complaints because they have either flagged their system to deny me of banking services based upon ethnicity and/or previous complaints or they are intentionally just not providing basic banking services to customers! 
Either way, this is not a good look and is extremely frustrating.

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 2023-10-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
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:
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.

has violated my rights. Or list of inquiries 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 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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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

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 2023-05-07
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: 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 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 2023-01-27
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I made a zelle transaction to a friend of {$100.00}, whom I sent to the wrong recipient. I used their phone number instead of their email, in doing so I called what I thought was XXXX customer service support phone number XXXX XXXX XXXX XXXX XXXXXXXX in attempts to try and reverse the payment. The person who played the XXXX representative lured me into sending {$490.00} to a name of XXXX XXXX and said to me that this was just a generated number to reverse the first payment I had initially sent to my friend. I only caught onto the scam once I realized the money had been taken out and they had me on hold to confirm funds were received. While back on the line with them I heard them taking screenshots and photos of my screen that I had shared with them which is also a dangerous thing I had done. They had even asked me to go to my XXXX ID settings so they can access more information. I was oblivious to this scam and to sharing my information with them in attempts to try and earn back {$100.00} all to lose {$490.00} on top of that. I filed a dispute with my bank M & T in hopes of receiving the funds back and theyve given me up to 30 days to hear back. I hope the CFPB can help many people like me to prevent scammers from taking hard earned money from people. XXXX should be more of a protected payment option instead being so easy and accessible for scammers.

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 2019-10-07
Company: Shellpoint Partners, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was given Exhibit A on XX/XX/XXXX, after my repeated request asking Mr. XXXX XXXX for a receipt where he paid {$230000.00} cash for our property. and Shellpoint Mortgage Servicing XXXX XXXX, provided him with an obsolete HUD-1 Settlement Statement, Exhibit A. As you compare my 1999 HUD-1, Exhibit, you can see the lines at the bottom of the page and upper and lower small print statement vary, you can see where it is a crime to engage in Mortgage fraud. Therefore, I submit my complaint for violations of the 18 U.S. C. 1018 1010. It is a crime to use a HUD-1 form as proof of a sell/purchase normally reserved for loans and refinancing. However, the HUD-1 form used is obsolete  as of XXXX, and it is not signed by the purchaser nor is there a wire transfer number for funds received or a check number for this so-called transaction that Ms. XXXX XXXX of Shellpoint Mortgage Servicing provided as proof of payment which is a fraud. XXXX XXXX did not pay one cent for our property and Shellpoint is using this obsolete HUD-1 form in a civil matter to deceive in which CFPB is supposed to protect the consumer from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have this money in my account worth {$28000.00}, and paypal withdraw it without my notice, and there's a record too, that Paypal itself access my account to withdrew my money to theirs. Without any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 challenged my credit report far years with No results they are not doing anything to get information deleted under fair credit act it's a federal Law I am a XXXX veteran their not moving information off my credit report every time I challenge something on my credit report account information is current when it's not

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 2018-05-11
Company: WESTERN UNION COMPANY, THE
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Regarding stolen money orders. 
from XXXX Retail Money Orders department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These were bought with cash at XXXX XXXX, stolen from the XXXX, doctored and returned to XXXX XXXX and were cashed at XXXX XXXX_ They should have a copy of the person on video. Federal Case # CA XXXX [ ref : XXXX : ref ] money orders # Money Orders XXXX & XXXX XX/XX/XXXX to XX/XX/XXXX I went back and forth about these money orders to get a replacement from Western Union. 
Western Union is passing this off to XXXX XXXX and XXXX XXXX is saying they can't do anything until Western Union closes their investigation. I have talked to XXXX from XXXX XXXX XXXX and she says they are closing case # XXXX because it is still in the hands of western union. But the following corespondence shows that Western Union has turned this over to XXXX XXXX. 

On Thursday, XX/XX/XXXX, XXXX XXXX MDT, Money Order - XXXX XXXX wrote : Dear XXXX , Please be advised that the Forgery claim for Money Orders XXXX & XXXX have been initiated on XX/XX/XXXX and both are currently pending at the XXXX  XXXX XXXX XXXX . Just a reminder that Western Union does not investigate this claim, but the bank does. Western Union acts in good faith assisting you in an attempt to collect the funds and provides this service free of charge. 
Thank you for contacting Western Union. 
Sincerely, XXXX XXXX Western Union Financial Services , Inc . 
My letters were stolen out of the mailbox on XX/XX/XXXX. I started this process with Western Union on XX/XX/XXXX when I learned that the MO never credited to my credit cards. They were brought back to XXXX XXXX store XXXX. District manager XXXX XXXX has tried to get them to move on this but says XXXX XXXX told him they have 100 days to look into this. There is no promise yet that they will pay. They have had all the info to prove I did not cash these altered money orders but still refuse to deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have checked my report and saw Items I am unaware of where they came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already filled an FTC complaint and attached it on this complaint. I demand these items removed on my report since this is clearly a violation of my rights Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 %

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX Balance : {$480.00} XXXX  XXXX Balance : {$0.00}

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 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 XXXX XXXX XXXX XXXX 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 2023-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CFPB marked my complaint Against Bank of America, NA as a Duplicate, failing to understand that Bank of America essentially is attempting to collect a Fraudulent Debt by transferring or selling said Fraudulent debt to XXXX XXXX during the CFPB investigation. 

( # 2 ) Bank of America caused the downgrade of my Credit score because of their wanton disregard for the truth for profit because of the fraud reported in my complaint and to BofA and Law Enforcement. 

( # 3 ) Bank of America is demanding and forcing me to work for free, fixing the problem they ( Bank of America ) caused due to their Gross Negligence in their investigation to my complaint despite their reversal and accepting my claim. I fulfilled my obligation immediately reporting the Fraud and should not be coerced to work for " FREE '' as if I were a SLAVE...

( # 4 ) Section 1053 of the Dodd-Frank Act authorizes the Bureau to conduct administrative adjudications to ensure or enforce compliance with ( a ) the provisions of Title X of the Dodd-Frank Act, ( b ) the rules prescribed by the Bureau under Title X of the Dodd-Frank Act, and ( c ) any other Federal law or regulation that the Bureau is authorized to enforce. 12 U.S.C. 5563 ( a ). Ignoring the fact that BofA is requiring me to work for " FREE '' is a violation of my Civil Rights and not redundant.

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 2023-01-27
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:
In accordance with the fair credit reporting act, these companies XXXX XXXX Account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation