BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
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:
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. As well as 15 U.S.C 1681b Permissible purposes of consumer reports. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Experian Information Solutions 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:
The accounts are not belong to me.

Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had my identity stolen. Someone opened accounts using my name, address, phone number, social security number, and banking information. I called all three credit agencies and asked them to put a freeze on my account and to send me my reports. That was in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again last month, XX/XX/XXXX. 

The identity thief lives in my apartment building and has been stealing my credit reports. My landlord and the XXXX Police Department won't do anything about it, they don't believe me. Neither will the USPS because the mailboxes are in the apartment building ( XXXX XXXX and XXXX XXXX in XXXX, ND ) since the mailboxes are on their property, it's not the USPS responsibility to make the mailboxes safe and secure. 
Regardless, I need my credit reports- especially from Equifax. That is the credit report that shows all of the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On Sunday, XXXX XXXX I set up a meeting to open a business banking account with an M & T banker named XXXX XXXX. The meeting was slotted for four days later on XXXX XXXX. When I and my pregnant wife arrived for our business appointment, we were told that XXXX was not in the office. Rather, he was at a training in a different state. At no point prior to this meeting had this banker communicated with us that he would be in a training and would not be able to assist us with the requested service, which M & T mandates be completed in a branch. A different branch employee offered to help, but M & Ts system would not allow him to work from the office in which he was located, so he had to take our information away on paper to open the account remotely. 

Upon receipt of the electronic paperwork, we noticed multiple errors and responded asking for updated paperwork to complete. Our emails have not been responded to and we have since had to find a new banking partner, causing issues in establishing payroll services for employees of our mental health care business. We believe our business has been prejudiced against due to the nature of its operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I attempted to contact the Legal Department of Santander and the CEO XXXX XXXX, CFO and sent in several legal documents including this Notice Requesting Documentary Evidence for XXXX XXXX XXXX that was repossessed in XXXX of XXXX without my knowledge and I have made payments and there was only a small balance left to pay the vehicle.The vehicle was taken by a third party company that I did not have any knowledge of contracting with this towing company. Towing truck company violated my rights of subrogation along with Santander the finance company. I am requesting the Accounting Records Public and Private in accordance to Generally Accepted Accounting Principles ( GAAP ). Do not send me any form of billing statements as 15 USC 44 clearly specifies Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Im sure that you are clearly aware of the evidence I am requesting in writing. I am allowing no more than 3 calendar days for your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This collection agency, who had failed to respond to my 2014 debt validation request ( which they acknowledged receipt of, copy attached ), and stopped contacting me for 1 year ... Then, 1 year later, still without responding, they " transferred my file '' debt to another collection agency ( from Diversified Consultants to Diversified XXXX ), WITHOUT notifying the predecessor collection agency, that they received and did not respond to, a validation request. This is obviously illegal ( and an EVEN MORE EGREGIOUS violation if " Diversified Consultants '' and " Diversified XXXX '' are related entities ). A debt collection agency can not " transfer '' a file to other agencies after failing to respond to a validation request ... and start contacting the consumer again, forcing the consumer to respond to MULTIPLE debt collection agencies about a SINGLE alleged debt that is invalid. Instead of responding to debt validation letters, this agency just " transfers '' the file to another company, and resumes collection activity to fully circumvent the federal law requiring that collection activity STOP UNTIL the requested validation information is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-03-10
Company: GOLDMAN SACHS BANK USA
State: VA
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:
On XX/XX/XXXX XXXX charged my credit card XXXX and XXXX. Both are unauthorized charges as I have never placed order from XXXX. It is not retail website, but rather XXXX. I tried contacting XXXX, however I have failed to get any respond from them. Then I filed dispute with XXXX XXXX who services XXXX XXXX XXXX. Finally, XXXX refunded partial for the amount of XXXX on XX/XX/XXXX but not full amount of XXXX it charged. This is unauthorized by XXXX. So, far XXXX XXXX has refused to refund the difference or provide any evidences to support XXXX proof that I made any purchase or received any product or services from XXXX. Nor have XXXX provided me with any proof of products or services provided by them to me. XXXX XXXX asking me to provide proof that I didn't make those purchases, which I have none because I didn't make those purchases. 

Further more I have tried contacting CEO of both XXXX and XXXX XXXX - either one 's office have responded to my emails. 

I have more dispute regard XXXX XXXX lights that purchased that came damage, they won't return or refund them. I tried contacting the company so many times, but look - see attached emails. It took months to receive the product and then they were damaged and most of them no longer work now. That is another dispute running with XXXX XXXX for {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Atlantic Credit & Finance, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/XXXX I was contacted by XXXX, last name unknown. She started by saying this call is being recorded. She told me that I owed a debt to XXXX XXXX. I told her, yes I do. I told her that I was at work and could she call me after XXXX. She would not get off the phone. Finally she said for me to call her when I get a break. I called her around XXXX, the call went to voice mail. I left a message. On XX/XX/XXXX I receive a call from XXXX, who started the call by saying she is recording this. She preceded ask me what happened, why did I fall behind. I explained to her that the payments we to high for me to handle and I fall behind. She proceeded to say, well I need to know what happened, I know that you are a proud person, and I really need to know what happened. I explained to her that I had XXXX on my XXXX and that my insurance didn't cover {$5000.00} of it. They payments were to high for me to handle and that I was falling behind with all my bills. I told her that I contacted a debt consolidator to help me with my credit. I told her what he wanted me to pay {$450.00} every 2 weeks, and that I couldn't afford that. So I contact my creditors on my own and was making arrangement to pay them off 1 by 1. She said well you never called XXXX XXXX. I told her I was going to call them because I know I owe them. I told her I would like to make arrangements to pay this debt back. She started asking me, questions like what happened, I see you paid so much and you stopped in XX/XX/XXXX. I told had fall behind because the payments were to high but I am willing to work something out to pay this. She said that she needed to know why I let it go. She said that I was to proud to tell her what really happened. I said to her what do you mean. You can tell me what is really going on. She says so you had XXXX  XXXX and the payments were to high. Yes. I said that is what I said. Really XXXX you can tell me what really happened. I said to her, I am sorry, what do you want me to say. I know you are a proud person, just tell me the truth. I said to her are you trying to collect a debt or are you a councilor. She says just tell me the truth. I told her that the call was now ended and I hung up on her. She gave me know account number. She was very rude and to me she wanted me to get angry. She kept saying I know you are frustrated. No. I said to her. I am trying to work something out with you. But she didn't want to hear that nor did she seem to want to work anything out.

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 2022-02-05
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
A checking account was opened at TD Bank in my name. I have never heard of this bank, nor have I ever opened up an account with this bank. I did not speak with anyone by phone and I do not just randomly go to unfamiliar websites. I received 2 checkbooks and one book of deposit slips as if I opened the account.This bank could be a fraud, so I have not reached out to them. I am requesting this account to be closed. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: MN
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 following credit inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized, not mine and do not belong to me : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX   XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX   XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, 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 2022-12-31
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I'm not got to try to " beef '' this up to get out of paying my bill .... Well I received a " live check '', needing the money I cashed it. I still fully intend on paying every penny of the loan, and like many, MANY people right now I'm one the serous side of struggling. Falling behind, I started receiving phone calls every day, I answered at first telling them I don't have the money, and informing them that not only 1 but 2 deaths in the family, COVID twice, and bills bills bills, not being able to work I couldn't give anything, I have a XXXX XXXX XXXX son, and when he needs something, I don't have a second thought of paying a bill over something he needs ( back and forth to the Dr , meds, ect ). I am aware that business is business and that everyone has a job to do, but the office manager leaving voicemailsl everyday, and having someone come to my house every 2 or 3 days, that's ridiculous. Not the way to deal with anything. During all this mess I couldn't pay my phone bill and didn't have any contact with them. Or anyone else for that matter. My sister The saving grace that she is, got me a phone on her plan, at no cost to me ... because I have a child here that's been sick and not way of contacting anyone in case if an emergency... The office manager has the comment that I can buy a new phone but I can't pay my loan, first off it didn't cost me anything, not that that's any of her business. A few snippy comments later, I was asked to write a check, I don't have any money, not on me, not in a Bank account, so the best idea is to write a check to the company with an account that DOESN'T HAVE ANY MONEY??! Add insult to injury? No thanks that's illegal, and that's jail time. Then I was asked to call around and ask for money, well that sounds nice to people that have that option. I'm not asking for sympathy or handouts. I'm behind on my bills .... That's life, but the everyday calling me and my boyfriend EVERYDAY, and sending someone to my house every 2 or 3 days .... Insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I co signed a loan for my daughter with Sallie Mae when she was at the university now she attends XXXX college and they have forwarded paperwork so that her loan can be deferred. Sallie Mae has been harassing me, my neighbors as well as family members i don't associate with and friends by LYING and saying I used them as a reference and i have no references AT ALL LISTED. I just got into a terrible argument with my neighbor because she said XXXX from SALLIE MAE called and said i used her as a reference and they are trying to reach my daughter and I. the argument got so bad we were i each other faces yelling because my neighbor was upset because she was told i used her as a reference and I NEVER PUT ANYONE DOWN AS A REFERENCE, SALLIE MAE is playing with people lives. WE almost got into a physical altercation. i was trying to convince my neighbor that I never gave out her number to no one. It is ILLEGAL for SALLIE MAE to HARASS ME, MY FAMILY, MY NEIGHBORS. I WANT THEM TO STOP CALLING ME, MY DAUGHTER, MY NEIGHBOR, AND THE PEOPLE WHO I AM RELATE TO THAT I DON '' T SPEAK TO. My daughter and I are being harassed and want them to STOP!!!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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 made a same day transfer I talked to them they told that business days have 24 hours and same day transfer does not mean same day I was doing a wire transfer to buy a house and I could be losing the earnest money I talked three people they told me that managers were solving the situation I asked for the federal reserve number that the the title company was asking to confirm the transaction. They said that manager can not access the data base or system

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: CL Holdings LLC
State: IL
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:
XXXX, XXXX and XXXX are falsely reporting a collection on my credit report from Jefferson capital systems. XXXX XXXX XXXX don't have a license to collect in illinois which is illegal to reach out to me and illegal to contact me and illegal to attempt to collect from me. Jefferson capital systems, XXXX, and XXXX need to. be sued and shut down by attorney genreral.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted by someone pretending to be my landlord and asking me to send rent payment via money transfer by ACH direct deposit transfer and had landlord name and email signature on the email. I sent the payment on XX/XX/XXXX  and found out today it was not my landlord contacting me and my rent is still due

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: NY
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 noticed two inquiries on my report that I never authorized from XXXX XXXX XXXX. These inquiries were initiated on XX/XX/2023 and XX/XX/2023. I contacted XXXX XXXX XXXX and spoke to an agent named XXXX who informed me that there is nothing showing that I am a client and that I should dispute and file an identity Theft Report which I did. However, Equifax stated that they have deemed the report as invalid. The FTC advised me to re-download the report using Chrome and re-submit it to CFPB and Equifax.

Company response to consumer: Closed with explanation