BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The questions do not really apply to this. 
I tried to receive the paycheck protection program from Bank of America. This is my small business bank since XX/XX/XXXX when we opened the business. I was told that since I do not have a loan or credit card history with them that I am not eligible for the program. I have checking and merchant services through them. 

This is a federal program backed by the SBA to help small business stay open during the Covid-19 crisis. 

I have not needed any loans or credit cards from BOA. I do not see how Bank of America can keep my business from receiving these funds just because I have not taken out a loan with them previously. 

I also can not go to another institution because you are required to have an existing account with any other bank before 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-11-03
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: IN
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CarMax, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Hello, i'm currently in the market for an apartment. My applications were all denied due to my credit status. 4 of them. 

The latest XXXX from XXXX XXXX ( XXXX XXXX ) was denied even having a section XXXX voucher as insurance. Talk about fair housing. It's not fair at all. I deserve to live in nice residences too instead of being penalized for something out of my control. 

During the pandemic i was laid off. I begged CarMax for pandemic assistance. They claimed they couldn't offer much because i didn't have my vehicle for 10 months. I purchased the vehicle XX/XX/2019, mind you the pandemic hit a couple months after. 

They threatened me, repossessed my vehicle twice and racked up my credit report with negative and adverse info. 

They didn't care anything about their customers, only money. Because of this now my credit is shot. 

I'm also a fraud victim. I repaired as much as i could already. I filed a complaint with the XXXX XXXX Carmax lied to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Paypal Holdings, Inc
State: FL
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:
My XXXX XXXX credit card posts charges from PayPal to my account. I do not have a PayPal account, nor have I ever given PayPal my XXXX XXXX credit card number, let alone authorize them to forward charges to my credit card account. When I question a charge both PayPal and XXXX XXXX tell me that I must contact the company making the charge. In a current case, the charging company " XXXX '' has no address or phone number on the Internet. Neither XXXX XXXX nor PayPal can provide either. My Internet search reveals numerous complaints about this company, alleging fraud. 

PayPal forwarded a charge To my XXXX XXXX account from XXXX on XX/XX/2020 in the amount of {$22.00}. This is not the first time that charges have been made through PayPal from unknown companies, but it the first time I have tried to investigate and pursue a complaint. 

I have requested PayPal to stop accepting charges in my name from anyone, but their customer service representative expressed doubt that such could be done. 

I have requested XXXX XXXX to stop accepting charges to my account from PayPal. The only redress they offer is to cancel my current credit card and issue a new one - in 10 days, unless I pay them {$20.00} for faster service. Can consumer protection laws help me in anyway?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-08
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in receipt of your letter dated XX/XX/XXXX. I have given you written communication more than once that the accounts listed are a result of identity theft. I request that these unauthorized accounts are closed, take steps to permanently remove any information about these accounts from my credit file. These accounts are in dispute and do not belong to me. 
Acct # ( XXXX ) XXXX XXXX in the amount of {$1300.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$1700.00} Acct # ( XXXX ) XXXX XXXX in the amount of {$48.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX XXXX {$6600.00} XXXX  XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$18000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
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:
id theft victim these accounts are not mine XXXX  XXXX XXXX XXXX XXXX XXXX XXXX not 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 2020-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
XX/XX/2017. {$16000.00}, Fraudulent account from Bank of America

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-02-28
Company: Square Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The XXXX XXXX/Cashapp has not responded in a timely manner to any of my request for customer support regarding a transfer I made from another financial institution. Hello have blatantly been ignored and given no explanation about my funds. I made a small transfer on XX/XX/XXXX for {$5.00} and it was available on XX/XX/XXXX. 
On XX/XX/XXXX I made two separate transfers of {$48.00} and later {$300.00}. The funds did not post to my account with XXXX XXXX/Cashapp as of XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX I repeatedly tried reaching customer support only to be told that they will get back to me within 24 hours, So far I received and email from an agent requesting more information. I provided the requested information and more then the agent ignored all further attempts of contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am having trouble with Citibank. Due to the COVID-19 outbreak, XXXX XXXX, which I have owned for 40 years, has declined. I began contacting Citibank at the beginning of XXXX because I knew I would be unable to pay my credit card payment which was due on XX/XX/2020 in the amount of {$160.00}. I called no less than 10 times trying to reach a solution with Citibank, but they have been unresponsive and I was constantly advised to " call back, we're working on it, no email from upper management, etc. '' I was concerned about late fees, being reported to the credit bureau and also my interest rate being increased. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, account specialists, the collection department, the client focus team, all to no avail. I received another bill yesterday which included a late fee of {$29.00}, my interest was raised from 12.99 % to 29.990 % due to my " credit performance, '' and I was told that I would be reported to the credit bureau. Please be advised that I am XXXX years old, have an EXCELLENT credit rating, and have not made a late payment in YEARS. This action is unconscionable during a time when many people are losing their jobs. I am a senior citizen and have been quarantined for more than three weeks since I am in the XXXX XXXX area. I eventually made the payment but had to borrow money from my son in order to do so. Can you please help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09
Company: ALLY FINANCIAL INC.
State: AL
Product: Credit reporting 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:
On XX/XX/XXXX, Ally Financial responded to my complaint on the numerous inquiries I have on my credit report, owning up to one which wasXX/XX/2022but did not explain why my credit report was ran the other 2 times by them on XX/XX/XXXX and XX/XX/XXXX of 2022. Ive contacted XXXX, and was told to reach out to ALLY asking for removal of 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 2023-04-21
Company: Sterling Infosystems Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In the criminal background it says Im on XXXX on one charge the other ones says driving while suspended while XXXX  I have never gotten a XXXX  from XXXX  ever I have a XXXX  from XXXX  which should not even be on the background in the first place its passed seven years and California state law says u can not report anything passed seven years which u have reported on the report and it was for XXXX  and it reporting XXXX  which is a lie and all of those charges have been dropped to infractions except one so u guys need to fix this I have lost my job due to ur in accurate report

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-02-28
Company: EQUIFAX, 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:
Incorrect Information Has Been Placed on my credit Report that hasn't been Validated. 
Ive reached out to all 3 Credit Bureaus and They've Refused to be cooperative to remove these False Files XXXX, XXXX XXXX, Equifax. I demanded To have These Removed without Proper Validation Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They Refused to be of Assistance. 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX  CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NJ
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 respectfully ask that you eliminate this incorrect account from my credit report since I never authorized its creation and it's not mine. The supporting documents, which validate my claim, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Block, Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
My issue wasnt available in the menu presented so I chose the most applicable options. I ordered some items from XXXX online using Afterpay ( XXXX XXXX ). The order was divided into 2 shipments but I only received one shipment. USPS stated they never received it while XXXX says theres a delay and they have no idea when itll be shipped. The USPS tracking number is no longer valid because too much time has elapsed in receiving the shipment. XXXX hasnt responded to my request for a refund and Afterpay said theyll only refund me once XXXX refunds them. Im still paying for a shipment I havent received ( {$72.00} left to pay according to Afterpay ). According to the VP of communications at Afterpay, Im subject to the same protections Id have if I were using my debit card directly with the merchant instead of with Afterpay. Im wondering why, then, am I not receiving said protections in this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: ALLY FINANCIAL INC.
State: AZ
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 was trying to get in this apartment I was denied due my credit. there were all these hard inquires and collections that damage my credit According 15 USC 1681 law that's a defamation to my character.

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 2023-11-05
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting 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:
I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit score was low. I told him to show me my score and report. There are items on my credit that do not belong to me. These items need to be removed. 

XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX   XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX   XXXX XXXX XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX-XXXXXXXXXXXXXXX {$60000.00} XXXX XXXX {$250.00} XXXX XXXX XXXX   XXXX {$600.00}

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 explanation
Consumer complaint received 2023-07-25
Company: PNC Bank N.A.
State: AZ
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 was trying to get in this apartment I was denied due my credit. there were all these hard inquires and collections that damage my credit According 15 USC 1681 law that's a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SECURITY FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I know I owe Security Finance for a loan. I have told them I have had some financial set backs and will pay them as soon as I can. I can handle them continuously calling me but they keep calling the references on my application and harassing them. Calling them at work, when there at the doctors office over and over again and then being rude when they answer. I have told them on the phone and in writing to stop contacting my references and to not call my work again. They don't think they have to follow the rules.

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