BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: IA
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 received a copy of my Experian credit report and I noticed some late payments on my credit report. 
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 XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX Your company is in clear violation of the law under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking a {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616 civil liability for willful noncompliance { 15 U.S.C. 1681n } Best Regards, 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 2023-07-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$4600.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XX/XX/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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my written request to delete the fraudulent hard inquiries. I was looking through my credit report, and I noticed unauthorized inquiries. Someone was trying to get a loan on my name. The thing is I did not sign nor authorize any of the loans. 

The below is my sworn statement concerning these credit issues. 

It is my sworn statement that, 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of 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. 

Since it violates my privacy rights, I am requesting you to remove the hard inquiries listed below from my credit report : 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 XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Your immediate attention in this difficult situation will be appreciated.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-11-05
Company: SYNCHRONY FINANCIAL
State: DC
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 received a correspondence from Synchrony Bank stating, " we do not have enough information to research your inquiry. Please provide the name of the retailer or merchant and a copy of your credit bureaus report showing the inquiry. '' The correspondence also incorrectly spelled my name, clearly demonstrating the continued negligence and lack of accountability on the side of Synchrony Bank. 

The merchant is Synchrony Bank XXXX XXXX XXXX XXXX. My name is spelled XXXX XXXX not XXXX XXXX, as mentioned to your department multiple times. Also, the XXXX and XXXX credit reports with these inquiries have been attached for your reference. The agent who picked up the phone at XXXX said that they were unable to help at this time because there is no account open with your organization under my social security number. Your organization has been useless in helping and has been illegally pulling people 's credit reports without their permission or legal cause.

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 2023-07-29
Company: EQUIFAX, INC.
State: GA
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

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 I want these inquiries deleted immediately as they are in violation of my consumer rights 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 2022-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I sent XXXX XXXX member service a Cease & Desist letter in regards to account ending in XXXXpursuant to 15 USC 1605. XXXX XXXX  XXXX XXXX member service sent me a letter stating they will stop all forms of communications in regards to account ending in XXXX ( letter attached ). XXXX card Member Service closed down my account, they have also continued reporting false information on my credit report. Stating that I am 90 days past due on account ending in XXXX, which i am not able to make payments online, through mail, or phone. XXXX has continued to violet my consumer right 15 USC 1692 ( c ) ( c ). I have requested that multiple times that the cease all form of communications and also threats in regards to account XXXX ( violation 15 USC 1692 ( f ). attached are sent threats by XXXX of paying {$20000.00} on a {$7000.00} owed account which was not mines .Attached are my credit reports showing XXXX XXXX member service still attempting communication of account XXXX by stating that its 90 days late.

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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was discriminated against by Bank of America when I went to deposit my cashiers check of over {$100000.00}. The bank manager told me they need to verify funds. I gave her the bank managers number for the verification. She verified and allowed the deposit. The system placed a hold on my cashiers check 5 business days. The next day they released {$5800.00} and 2 days later removed the {$5800.00} from my account after I paid bills. They caused my account to be overdrawn and my automatic payments could not be paid and I am unable to use my account because of the negative balance. I called the bank and they lied to me saying the bank took the money back because they placed a longer hold on the full amount pending verification. 

The following day I spoke with the bank manager about f the bank I purchased the cashiers check. He researched to see if they cleared the check. His system showed thw check was sent on XX/XX/XXXX and money was sent to Bank of America on XX/XX/XXXX. 

Bank of America has a hold on my money until XX/XX/XXXX and said it could be longer and not allowing me to use my account due to the overdraft. 

I received a letter from Bank of America stating that the hood was placed due to the information on the cashiers check saying funds might be returned. Upon me checking the back of the cashiers check from the scan I saw that it did not say the funds may be returned. 

I called the bank manager that issued the cashiers check and he confirmed that it does not say that on the check. 

I attempted to call Bank of America again to ask a legal reason for the hood and that the reasons they were giving were not true. They told me they have to have a supervisor call me back and I have not got a call yet. 

They are planning to have my money on hold for XXXX total days and that is over what they can legally hold. Bank of America was paid for my cashiers check on XX/XX/XXXX and holding my money illegally until 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 explanation
Consumer complaint received 2021-05-27
Company: ALLY FINANCIAL INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I set up payments in my XXXX  app the same way I always do and for some reason it did not go through. It went through the previous 2 months and it was set up the same way. I had no idea it didnt go through until my boyfriend said Ally keeps calling me and telling me my car payment is late but then they pull up my account and say its fine we arent sure why anyone is calling you. I never got any type of notification it was late and didnt know my payment didnt go through. Finally he asked a bunch of questions because he was frustrated they kept calling and realized they were calling for me. I looked at my paperwork from the dealership and they used his phone number and some of his other info on my application my mistake ( he also has a car loan with Ally and applied to get a new car at the same time I did ). As soon as I realized what happened I called and made the payment. I told the representative what happened and she said shed put in a request to not report to the credit bureau because it was a mistake from the dealership and if Id have been notified it didnt go through or was late or received a reminder it would have been paid on time. This is more so a complaint for the car dealership for their error but I dont feel like I should be penalized for that. Id just like the 30 day late removed please. They did waive the late fee.

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 2023-07-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
This complaint is in regards to PayPal.com XXXX purchases. Have never had issues with PayPal until recently. 

Today I bought {$450.00} in bitcoin. PayPal charges fees to buy bitcoin and to sell bitcoin. I am now unable to send the bitcoin I purchased on their site to send to another merchant. Says that theirs is an error and I have tried XXXX times and keep getting the same message. 

PayPal customer service is absolutely no help whatsoever, if PayPal lets me purchase cryptocurrency on their platform then there should be no reason why XXXX cant transfer to another merchant. My only option now is to sell on their site and rack up more fees and charges to do so! 

PayPal should be sanctioned for these shady business practices and am considering filing a class action lawsuit as after doing more research this is a common matter with this company! My question is why isnt the CFPB doing something about this? 

Absolutely unacceptable business practices!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report.To this day, 60 days later, I have not recieved a response as of today. I am feeling like I am being ignored about my disputes.In Section 611 ( a ) it plainly states if they dont investigate these items within 30 days it gives reason to immediately remove these items from my credit report.It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation for the stress you caused me..My information was also impacted by the equifax Data Breach and may have fallen in the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2023, my Daughter was contacted by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX XXXX her they needed to contact me about a court matter. 
On XX/XX/2023 I received a phone call saying I was going to be served by a process server for a civil suit for Breach of Contract from GE Financial XXXX for a credit card debt for XXXX. They told me they were an attorneys office and not a debt collection agency. 
I returned the call and was told that I owed approximately XXXX dollars but I could settle for XXXX dollars. If not I would be served for XXXX of XXXX. 
This debt is over XXXX XXXX XXXX. 

I have not been served as of this complaint. 
My daughter was very distraught with the phone call, and this kind of threats and intimidation needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: SYNCHRONY FINANCIAL
State: NY
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:
On XX/XX/XXXX I used my Synchrony credit card ( the Card ) to purchase what I believed to be an authentic XXXX hair dryer. I quickly realized that the fraudulent business ( the Company ) I ordered from was not in fact a legitimate company but was unable to cancel the charge. I immediately called the Card to dispute the charge and formerly filed a complaint. 

From XX/XX/XXXX through XX/XX/XXXX I followed up the initial complaint with numerous supporting documentation to evidence that this was a fraudulent Company. The supporting documentation outlines the dates of all communications and transactions, provides photos that illustrate the blatant and obvious fraud on behalf of the Company. The supporting evidence shows how the Company deceived me by misspelling the brand name, using a fraudulent email address, routing the payment vehicle through a fraudulent XXXX account, and used a federal mail service carrier to deliver an item that was without question not the item ordered. In short, and I can provide all and any evidence needed in furtherance of your investigation to support this, what I ultimately received from the company was not a hair dryer but a white nylon t-shirt, clearly used to give the appearance that an item was shipped and delivered and this is evidenced by USPS tracking numbers. 

Despite the Card indicating that it would investigate the matter, the matter appears to have been closed and on XX/XX/XXXX when the charge ( {$320.00} ) was posted and added back to my card without any notice. The Card did not alert me to the closure of the investigation, the basis for the decision or the opportunity to provide additional documentation. 

I have been a loyal customer to the Card for over ten years, paying in full my balance each month. The Cards failure to adequately and diligently investigate this matter, ESPECIALLY given the apparent and obvious nature of the fraud, is not only professionally negligent to its customers but irresponsible in allowing fraudulent businesses to continue to deceive customers. There are countless federal and state laws that the Company has broken, and the Cards negligent inaction here is furthering this illegal activity. 

Please contact me for any additional information needed to review this matter. The Card is leaving customers in a vulnerable financial situation, and action must be taken to remedy my particular matter, but also to address the negligence on the part of the Card. 

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 monetary relief