BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX # XXXX is listed illegally on my consumer report ( s ) in violation of Title 15 U.S.C.6801,6802,6803,6804 The XXXX XXXX XXXX XXXX ( XXXX ) was written into LAW by XXXX and this firm should know it is Illegal for this Financial Institution! ( XXXX ) to transport my non public private information to a non affiliated 3rd Party without initially giving me NOTICE that I have the right to OPT out of credit reporting. This company also can not report this information without my PERMISSION they are blatantly violating my privacy rights which is ID Theft. 
I received no notice from this company and never gave them permission to report this information. I want this information removed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-06
Company: BUDGET CONTROL SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
No proof of Debt - I have tried repeatedly to have them provide proof of debt. They became hostile, rude and argumentative. They have provided zero proof of debt.. No original billing has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 US. Code 1681c-2 a consumer reperting agency shall block the reporting of any Information in the file of a consumer that the consumer identifies as information that results 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 Violarion o 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 VIOLATION under, 15 U.S. Code 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Automated Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is harassing me and wont take my calls to request for them to leave me alone, I dont know what is going on in Tennessee but they are desperately trying to scam people for money even here in Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I used my money for a down payment with the loan originator XXXX XXXX on behalf of Sun West bank. Im a home owner of two properties so I was informed this way my wife XXXX XXXX account # XXXX they committed fraud against me. They also used fraudulent documents

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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 # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, # XXXX, and # XXXX have 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 2022-03-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Synchrony Bank is a company filtered in and obviously in lies. I had several accounts with them. They saw this, I was able to pay on time every month and pay off balances with no effort, but apparently they did not like this, so they instituted an universal shut down. I feel that XXXX played a part on my XXXXXXXX XXXX  and XXXX  and determining how they respond will determine if I go XXXX on them. My mid XXXX XXXX is XXXX and they have discriminated against me for the final time. I want compensation from them or I will SUE them and I will win. I have documented proof that XXXX exists and I am ready to call attorneys that will take them and their corporate attorneys down.

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 2021-07-09
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: CT
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2022-11-16
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:
MY identity was stolen I reported. it to the FTC and attached the report I have reached out to the reporting agencies to block the information that was a result from identity thief. I did not receive a response my husband and I are not able to move forward in our home purchase because of this fraud it is damaging my ability to buy a home PLEASE CORRECT MY REPORT AND BLOCK THIS INFORMATION I HAVE MANY ADDRESSES INQUIRES AND 2 ACCOUNT THAT DO NOT BELONG TO ME. PLEASE ADVISE ADDRESSES ARE : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX XXXX : XXXX XXXX # XXXX Total fraudulent amount : {$1500.00} ACCOUNT -XXXX  XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 I WANT THIS REMOVED IMMEDIATELY I AM SUFFERING DAMAGES I CAN NOT GET A MORTGAGE LOAN WITH THIS FRAUD ON MY REPORT. ( ATTACHED IS PROOF OF ADDRESS, MY STATE ID, MY SSN CARD AND FTC REPORT, SO THE CREDIT REPORTING AGENCIES CAN NOT STALL IN THE PROCESS OF VERIFYING ME AS THEY HAVE DONE IN THE PAST ) REMOVE ALL SAID NAMES, ADDRESSES and ACCOUNTS AND INQUIRES CONNECTED TO THIS IDENTITY THEFT WITHIN ( ( 4 ) ) BUSINESS DAYS AND OR PAY FOR DAMAGES 15 USC 1681 C-2

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 2019-08-31
Company: M&T BANK CORPORATION
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was closed with XXXX XXXX ( XXXX ) on XX/XX/XXXX. We had a modification in XX/XX/XXXX. The only thing that changed was the interest rate. The loan was Sold to M & T bank ( XXXX ) XX/XX/XXXX. I noticed on my credit report that the maturity date changed from XX/XX/XXXX to XX/XX/XXXX. I called M & T bank immediately. They told me the modification changed our entire mortgage. I called XXXX and they faxed me the modification closing, showing the original maturity date of XX/XX/XXXX. I sent a copy to M & T and then called them. They received it and can clearly see that their records are incorrect, yet they refuse to update my paperwork. This is an egregious error and they need to fix it! 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 explanation
Consumer complaint received 2023-10-23
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened an account some months back with XXXX XXXX XXXX. Their service was nearly flawless, and is not the subject of the complaint. 
On XX/XX/23, I received notice that XXXX XXXX was selling their accounts to Comenity XXXX XXXX. I was told that I would receive my new account # in the mail, and everything would switch over. I never received a new account number, except for a masked number that only showed the last XXXX digits. XXXX does not allow me to log on to their site to pay, view, or manage the account without having the full account number during registration. Comenity states in their messagine that they sent me my account number XX/XX/23. I have received nothing, and my XXXX XXXX XXXX has shown no missing letters that may have been sent by XXXX. 
I tried to log on to XXXX 's site to pay the bill XX/XX/23, and was rejected because I do not have the account number available. I then contacted the company by phone, and they said that they never sent an account number out. They stated that there were " Account technical problems '' that they needed me to contact them to fix. They now promise that this time they will send my account number, but state it will be XXXX weeks to receive it. In the meantime, I still can not access my account, and the bills are due. I do not believe that they have any intention of sending me my own account information, and are hoping that I will forget about them so that they may charge fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: NC
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I have an online account with SQUARE to process credit card payments. On or around XX/XX/2020 I did a transaction for {$1000.00} and was told {$300.00} or 30 % of all new transactions would be held in a reserve for 90 days to keep for possible refunds. The 90 days ended today and they have now changed the reserve period to 120 days. Additionally I have had this account over 3 years and I have never had a return or any issues with payments processed on this site. A 30 % reserve for 120 days seems ridiculous. I have used credit card processing by my bank and did not encounter this type of issue. I am closing my account but looks like an additional 30 days before I can do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax supplied my Credit Report to an attorney, XXXX XXXX, who had no authorization to request and Equifax had no authorization to provide in the 1990 's. 
I have filed this complaint before and Equifax does not respond nor take any responsibility for the illegal breach of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: Paypal Holdings, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I submitted a complaint against PayPal regarding a limitation placed upon my account because I had disputed a charge with XXXX. The complaint number was XXXX. The complaint was as follows : ( ( I used my PayPal credit account to send money to a XXXX page that was asking for money to help pay for my brother 's funeral. The individual who set up this page was one of my brother 's good friends who lived with him. She asked if she could plan my brother 's funeral and my mom and I agreed since we lived a great distance from my brother. As it turned out, this girl never paid for any of my brother 's expenses and took the funds for herself. I paid {$210.00} to XXXX on XX/XX/XXXX. When I discovered what my brother 's friend was doing, I contacted XXXX fraud unit to not only get a refund, but also to shut down the XXXX  page. XXXX recredited my PayPal account for the {$210.00} on XX/XX/XXXX. But now PayPal has put a credit limitation on my account saying that I owe them an additional {$210.00} because for some reason they are telling me they are out {$210.00} and that I need to give back {$210.00} to take off the credit limitation. So in other words, I have to pay PayPal for a service or item I never received and was refunded. I've been debating this with PayPal for months and they insist that I still owe them {$210.00} ... for what??? ) ) I received a response back correcting the problem through XXXX on XX/XX/XXXX and I thought the matter had been resolved. 



However, PayPal is absolutely refusing to correct the problem on their end and I am so frustrated with these people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Tue, XX/XX/2020, XXXX XXXX Website Generator XXXX wrote : If you want to jump start your success online, we have a special one-on-one consultant for you. 
Just call this number to speak with your personal mentor. XXXX XX/XX/2020 I called and me and the consultant decided that I need a refund for {$48.00} & {$100.00}, because there is no app and the story about XXXX in the living room building the website that would later become automated to 300 people was false and/or misleading. And because my credit score is Very Poor. Also payments show as initial payments, please cancel any and all subscriptions or automatic billings. 
Yesterday, XX/XX/2020 I received a charge for XXXX from " XXXX '' for " XXXX XXXX XXXX '' for {$97.00} & {$3.00} Contact Info : XXXX XXXX to XXXX XXXX Santander Bank CSRs are claiming that this purchase was made on XX/XX/2020 and related to dispute claim XXXX. I didn't buy anything from XXXX or XXXX XXXX XXXX. And I have not received anything from Website ATM, XXXX, or XXXX XXXX XXXX. 
I would like this dispute resolved as soon as possible. 
I want to know who Santander Bank claims Department spoke to and what they are claiming that they sold to me. 
Otherwise these are scam charges that I want to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: OneMain Finance Corporation
State: CA
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:
Hello, Credit agency did not update credit file properly. 

I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, XXXX XXXX XXXX, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. 

These items should automatically fall off : One Main Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX, I submitted my FTC REPORT and my dispute letters to dispute unauthorized accounts and inquiries off my credit report because I was impacted by the XXXX data breech. My dispute letter and FTC REPORT was mailed to Transunion. As of XXXX XXXX a few accounts remain on my credit report. I need all accounts removed because it is effecting me from having positive credit. There is an account with XXXX on my Credit report that needs to be removed, This account is in litigation due to deceptive and predatory lending practices and this account was affected because it was between XXXX through XXXX this account was closed in XXXX. According to 15 U.S. Code 1681e ( b ) whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the individual about whom the report relates. Based off this law I feel as though my consumer rights have been violated. Please REMOVE/ DELETE ALL ACCOUNTS. XXXX XXXX My rights are being violated because they are reporting my payment history

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 2023-03-02
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:
This is my 6th 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 Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XX/XX/2022

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