BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XX/XX/XXXX M & T bank charged my checking with an overdraft fee of XXXX. On my account I have had overdraft protection through my savings account that I had arrange sometime back, but haven't had to use in some time because I always check my balances. Because of this service I wasn't worried last Monday because of the overdraft coverage I had. They charged my account anyway, so I contacted customer service and they didn't even check, she took a look at my account and said I don't see it and keep saying the same thing. She was also rude. M & T use to be a good institution, not any more. I did go to the branch on Saturday to try and work things out but they had one individual working and to many clients waiting I did wait about half an hour, then I decided to call instead. That was no help and I am looking for another banking institution. I don't lie and to be accused of it is unprofessional. I think I've banked their for about 10 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/2022 a violation notice was sent to XXXX in XXXX, XXXX Their response was something of the fact that I had to fill out their dispute template that has room for XXXX accounts. Problem is there are XXXX accounts their reporting inquiries from that I dont recognize and they never responded with conclusive evidence that I verified and expressed wanting those companies on my XXXX Report. Pure violation of 15 USC 1681. 
Consequently, a much similar letter was also sent to Experian down in XXXX XXXX, AZ and XXXX in XXXX, GA. 
Please find pdfs of the posts below.

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 2022-10-05
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: Account status incorrect

Complaint:
On XX/XX/2021 contract XXXX debt were forgiven, the CRA is still reporting this false information on my report which is causing great harm to my credit worthiness. The company that forgave the debt in a written statement, stated this information should not be on furnished on my 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 non-monetary relief
Consumer complaint received 2022-10-19
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a {$74.00} purchase from XXXX on my account on XX/XX/2022 ( transaction # XXXX ). I canceled the ticket with the company. I was meant to receive a refund of 80 % of my purchase ( {$59.00} ). I have not received the refund. I contacted PayPal and filed a dispute. They replied with a very confusing message about requiring more information by XX/XX/2022. I replied saying I did not understand but sent them the information contained here ( in the form of a copy of the transaction information from their website and a receipt from the company ). 

They closed the dispute in the seller 's favor because I did not reply as requested ; however, their own website shows I replied on XX/XX/2022 and the documents I attached. I have been trying to contact PayPal via telephone as I am not able to resolve this online. This weekend I spent several hours on the phone. PayPal 's automated system is geared toward not allowing consumers to speak to a person. When I did get through ( after holding for many minutes, I was disconnected once, told I needed to speak to another department and then transferred back into the same queue I had just left. 

I was finally able to get someone to help me and I was told I needed to speak to someone in another department. I begged not to be transferred and received the telephone number. Today I have called this number but again it is geared toward getting me to go to the website ( this does not help as they have closed the dispute ). Once I did get placed in a queue to speak to someone, the message states it will be 45 minutes to over an hour. I waited for 30 minutes and was disconnected. I can not resolve this issue without speaking to a person who is both competent and properly trained. 

PayPal is a large financial institution that is not behaving as an ethical and responsible financial institution. While I understand that I can not be dealt with immediately, I should not be left to feel that I am dealing with a man in a back alley buying black-market currency. I should be able to contact a person without having to deal with a electronic system that is either poorly designed or designed to shield PayPal from being accountable for their mistakes or poor customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2022-11-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 spoke with XXXX XXXX XXXX in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Wells Fargo bank personal checking and savings accounts were hacked on XX/XX/2022. They stole all the money from both of my accounts totaling over {$5000.00} USD. 
Listed Transactions : NON-Wells Fargo ATM withdraws {$200.00} {$400.00} {$400.00} Unauthorized Transactions : {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX to unknown " XXXX XXXX  '' obviously fake name {$490.00} {$490.00} {$130.00} {$490.00} {$490.00} Unauthorized transfers from savings to checking : {$2400.00} {$1400.00} Transactions totaling : {$9000.00}

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 2023-09-14
Company: EQUIFAX, INC.
State: NJ
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:
The following inquiries were done without my written authorization or consent : XXXX XXXX XXXX XXXX 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: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt collection company LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES Are trying to collect a debt that was the result of identity theft I contacted them multiple times starting when I first noticed debt XX/XX/2022 I have provided proof of residence drivers license police report identity theft report I contacted original holder XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a consolidated Federal Loan with Nelnet and I am under an Income-Based Repayment Plan. My income went up by about XXXX in XXXX year but my payment went form XXXX XXXXXXXX/month to XXXX XXXXmonth. I live in XXXX XXXX and the cost of living is much higher in XXXX as opposed to most of the rest of the country, yet this is not taken into account when calculating my repayment amount per month. I also have a child dependent and can no longer afford to pay XXXX XXXXXXXX/month with rising inflation. I have engaged Nelnet on this topic in XXXX and was told there was nothing they could do unless I wanted to change my repayment plan which is not in my best interest because my loan will be forgiven in about XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: TN
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:
I disputed the validity of a bankruptcy that is on my consumer report. I pull my consumer report from XXXX XXXX XXXXXXXX and I see that the inaccurate public information is no longer listed. I download my report and It shows inaccurate information on the downloaded version but not on their website. This is very deceptive and misleading. They never sent a permissible document for the alleged bankruptcy. I asked them to verify the accuracy of the alleged bankruptcy and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Linebarger Goggan Blair & Sampson LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the firm XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX ) with reference number XXXX stating that I owed {$32.00} in unpaid tolls and fees to the Pennsylvania XXXX XXXX ( XXXX  XXXX ), which was apparently incurred with vehicle license plate XXXX XXXX. This debt was not incurred by me. I DO NOT own a vehicle and have never rented a vehicle, I DO NOT have a driver 's license, and I have never been to the State of XXXX. 
I called this firm at the provided phone number XXXX XXXX XXXX at XXXX ( ET ) on XXXX XX/XX/2023. I initially spoke to a representative who was unable to provide any useful information. I was subsequently transferred to a supervisor. After doing a check on the account, the supervisor said that the debt was incurred by someone with the same first and last name as me but with middle name XXXX and whose previous registered address was in XXXX XXXX, XXXX. My middle name is not XXXX and I have never lived in XXXX XXXX, NY. The supervisor acknowledged that I was not the person who incurred the debt. The supervisor said that the firm attempted to collect debts by matching only First Names and Last Names. She said that she would remove my address from the file in their system as I was not the person they were looking for. I requested a letter from the firm confirming in writing that I did not owe this debt and that the matter was resolved. The supervisor said that she could not do so, as the debt remained outstanding, but that she could only remove my address from the file. This is an unsatisfactory resolution as I do not have any record in writing that the matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Balance : {$33000.00}.

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 2023-02-16
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Marcus on XX/XX/23 the promo was earn a XXXX bonus after funding account with at least XXXX from an external account. I funded the account on XX/XX/23. I reached out to find out when i would receive the XXXX bonus, was told it takes 15 calendar days. I reached out again today and was told that the XXXX bonus would not be added until the account maintained open and funded for 90 days. 

This seems deceptive, i understand that if i took the money out before the 90 days I would not be entitled to the XXXX bonus, but i was under the impression that the XXXX could be added after 15 calendar days and I would be earning interest on that. 

I contacted the chat option on the website, and that was explained to me after I suggested that I contact your organization. 

I know contacting your organization is not going to get my XXXX bonus any sooner, but I feel that it was not spelled out explicitly of how and when the bonus would actually be realized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: SC
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 XXXX account XXXX XXXXXXXX has violated my rights. 15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had reached XXXX XXXX, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved

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 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights. 

15U.S.C. 1681 section 602A. States I have the right to privacy 15U.S.C. 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an 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 2022-11-21
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
TD Bank company filed a lien against me in the court of common pleas of XXXX XXXX This debt does not appear on my credit report TD Bank has not provided proof of debt, time of debt, or proof of payment of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Prince Parker & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Prince Parker and Associates telling me that I owned XXXX from XXXX XXXX XXXX XXXX. 
I contacted XXXX customer service and they informed me that I didnt owe them anything, and told me to contact the Federal Trade Commission . 
The FTC in turn told me to file a complaint with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I understand that is my right by law to dispute inaccurate information on my credit report and from my understanding the Transunion doesnt wish to allow me to exercise that right. I have mailed my dispute to them as of XXXX/XXXX/2023 and never received any correspondence from them in regards to my investigation into the matter as I was also a victim of a data breach from 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 2023-07-10
Company: EQUIFAX, INC.
State: PA
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Account status incorrect

Complaint:
Different late reporting dates. XX/XX/XXXX & XX/XX/XXXX on XXXX XXXX XXXX XXXX XXXX reporting on XXXX and Transunion. 

Four different address on my credit file. 

Covi forbearance

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 2022-10-19
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence. This company is exaggerating the amount of debt. Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. Additionally, this account continues to be a mystery to me, please remove this entry and cease and desist all future collection efforts because this company failed to validate. I do not have a financial obligation with you ; please delete this reference on all credit reports Original creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: VA
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:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with non-monetary relief