BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-23
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-02-11
Company: Experian Information Solutions 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:
unauthorized inquiries on my report that isn't being removed after several attempts

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
unauthorized inquiries on my report that isn't being removed after several attempts

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 2022-12-23
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
To whom it may concern, Bluebird has blocked/ closed my account due to valid disputes I filed. Although, Bluebird did not process my disputes. All Vendors with the exception of one, XXXX, has returned funds back to my account. I am in need of your assistance.due to there being a misunderstanding in communication between Bluebird and I. 

Please assist me in 1 ) Reopening my account as I have not violated my user agreement by filing valid disputes. 
2 ) Unblock my balance of {$170.00} on my account. As well as my ability to view my transaction history. 
3 ) Retrieve $ XXXX XXXX XXXX XXXX XXXX they state XXXX will only allow the financial institutions/ Bluebird to return funds to customers once a dispute has been opened.

Please investigate and assist me in addressing these errors. 
Thank you for your time and attention to this matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I deposited a check for {$2500.00} in my checking account from a local bank into my Flagstar checking account. Even though Flagstar received the funds from the deposit within a day they are still refusing to release my money in my account without cause or reason. Today is XX/XX/2023 and they have told me they intend to hold my money until XX/XX/XXXX with no cause or reason. Flagstar is illegally holding my money so they can collect interest on the funds.

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 2022-03-19
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Glasser and Glasser of XXXX, Virginia have come for the debt several times. Glasser and Glasser took action to have my wages garnished ( Warrant Debt ) Case # XXXX in through XXXX XXXX General District Court started in XXXX. I called and set-up a payment plan making monthly payments with them for XXXX. I missed one payment which I doubled on XX/XX/XXXX for XXXX. Again, on XXXX XXXX, XXXX they went to garnish my wages, now I was still making payments to them until XXXX XXXX, XXXX. The company I work for denied their request. 

I haven't heard from Glasser and Glasser until today, XX/XX/XXXX ... asking me to make payments again. When will the harassment stop with the company about a debt that has been charged-off by XXXX XXXX. They purchased this debt back in XXXX. It's been six years since then. Please note that my account with XXXX XXXX has been removed from my credit report. 
My name is XXXX XXXX at the time of the debt it was XXXX XXXX XXXX XXXX 

If they can restart collecting debt again after 5 years when will the harassment stop for the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/23 a representative called me from the title max store saying I needed to pay {$1000.00} to bring my loan up to date I asked for the information I never received about loan repayment and what I owe and what my money will go to she said she will have someone reach out to me onXXXX  someone called me saying they are from title max corporate office and they asked for me to give them {$500.00} to bring my loan up to date I informed them I asked for information I never received which tells me the details of my loan what the money is going towards my finance rate and everything to explain how I could repay and if what they are charging is indeed what I signed up for he told me I needed to go into the store I explained to him that I am physically un able to go to the store to get this information can you please mail it to me. When I signed up everything is as supposed to be available to me online it never was and I was eventually locked out of my title max account log in app and I continue to receive an error message so these documents that were supposed to be originally available to me on the app were never given to me and I never received a copy of what I thought I signed My original loan was {$1500.00} so I dont understand what hat I am paying for and what is indeed the status of my account the company refuses to provide me any information I. Writing by e mail or by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: STATE EMPLOYEES CREDIT UNION
State: VA
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 have received a copy of my credit report and it shows company STATE EMPLOYEES CRED U account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged 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 showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.

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 2020-02-13
Company: SLM CORPORATION
State: NH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sallie Mae has called me over a dozen times in the past 6 months trying to get a hold of my son. He owes them money, not me. I am not on the loan in any way, nor am I a cosigner. They are not only contacting me they are contacting all my relatives as well who do not even know how to get a hold of my son. I have asked them repeatedly to stop calling me or anyone in my family. The only people they should be contacting is my son or his mother who did cosign the loan. I have given them both my sons and ex-wife 's contact information, but since they are not responding they keep calling me. There is nothing I can do for them and even though I have asked for them to stop calling me they continue to do so. This is harassment at this point. There is nothing I can do for them. 
They called me XX/XX/XXXX, XX/XX/XXXX and just again now on the XX/XX/XXXX. I have blocked their # however it allows it to still go to voicemail. They have used different # 's in the past as well to get around the fact I have blocked them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: MD
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. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting closed and delinquent, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX ( collection agency ), XXXX XXXX or XXXX, and XXXX XXXX I have requested via the collections agency and credit agency 3 times to provide information no repones just came back verified and 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 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 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 2020-03-11
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Synchrony Bank/Amazon is reporting bad information to my credit bureaus that has caused major harm to my credit. I had an Amazon Store Card years ago and fell behind on payments as a financially struggling XXXX XXXX. I settled the debt with SynchronyBank/Amazon back in 2016 with the agreement to remove the collection and no longer report to my credit. Amazon is still reporting late payments to all my credit bureaus. This is highly unfair and they did not comply to our original agreement. This is negatively impacting my credit. Please Stop reporting this outdated settled account to my credit bureaus.

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 2021-06-29
Company: TNT Financial, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
the company TNT FINANCIAL have violated my rights as an consumer pursuant to the TRUTH IN LENDING ACT and FAIR DEBT COLLECTION PRACTICES ACT, Once fraud is detected a contract shall be null and void, documents were falsely furnished to make me believe that i the consumer and original creditor owed such alleged debt, also documents were produced to make me believe i had gap insurance and a recall when the documents belong to the previous owner and had nothing to do with me, XXXX XXXX TNT FINANCIAL received a request for validation of alleged debt along with a specified remedy to invoke my rights as the CONSUMER in fact i have attached labeled Exhibit A through Exhibit Z the violations i wish to be compensated for as well as the response from TNT FINANCIAL 'S attorney which further violates my rights as a CONUMER please take a close look at the attachments and Thank you for you assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: PNC Bank N.A.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In XX/XX/XXXX, I opened a spending account in the PNC bank. In the XXXX XXXX XXXXXXXX, I left for an XXXX XXXX XXXX. The payment problems started in XX/XX/XXXX. I couldn't pay by card. Support couldn't explain the reason to me. Since then, the situation has only worsened. All this time I've been writing and calling to the support service. I spent a lot of money on international calls. I was asked to leave a phone number to call back when they understand the problem. I left my foreign number, not the US number because Im not physically in the US. But they called the US number only, which does not work, since I am in another country. In XXXX, in a conversation with support, I accidentally found out that my account was closed and all funds were sent by check to an old American address. But I'm not in the country and I'm tired of repeating it. Why was the account closed? I didn't ask to do it. The system with checks does not work in other countries. I won't be able to cash it anywhere but the USA. But I will not return to the USA very soon. All the support of the PNC is very stubborn. They don't give any information ; they don't want to help. They have one answer, we can only do this and nothing else. Even if it doesn't work for me and I need to look for another way out of a situation in which it's not my fault, but the bank 's. They blocked my account for no reason and couldn't even explain. Recently, I accidentally found out that they sent me all the information by letter on paper to my old address in the USA. But I'm in another country! How many times to say? It doesn't concern them. They work like robots. Why not send all the information and reasons of blocking the card to my email? I get nothing but advertising from the PNC on my email. I'm desperate! My nerves are shattered. During all these months of proceedings, no one has given me the correct information. I need this bank account, I need these funds from the account, but no one understands anything that needs to be done in this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 2020-02-13
Company: ALLY FINANCIAL 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: Account information incorrect

Complaint:
I have submitted multiple complaints about ally financial and how I told them that I was sold a car that was in an accident. I told them that if I had known the car was in an accident I wouldnt have purchased the car. I also told them to cancel the deal with the dealership. 
Attached is a conversation I had with the dealership through XXXX  on in which they stated how they dont have to give a car fax and how they still sell cars that were in accidents without telling customers. 
Not giving a car fax was concealing the fact that the car had an accident because within less than 3 weeks of getting the car it had to be taken to get fixed 2x. Ally didnt car about customer satisfaction. A lot of the fees that the bank is trying to collect was not a part of the loan. I told them to cancel the loan because the car was defective and in an accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
These account has been deleted off my XXXX credit report after having been disputed.

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 2023-07-26
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I never received the fiscal car, it was used from XX/XX/2023 to XX/XX/2023 in fl ny ca XXXX XXXX I didn't visit I was working in nj XXXX  days a week XXXX hours and I got proof that from my employer, after contacting chase JPMorgan they said I have to pay those {$1600.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I received an email from PAYPAL informing me that my account I have with them is being " Limited ''. PayPal uses the term " limited '' to mean that sanctions are being placed on my account restricting me from withdrawing or transferring or paying with any funds from my account. In my case that amount is {$5200.00}. They asked me to provide them with my Drivers License and to explain the nature of approximately a dozen transactions -- Which I did immediately. On XX/XX/2020 PayPal emailed my that they are placing an indefinite hold on my money. They gave me absolutely no reason for seizing my money. My account is approximately 2 years old. In my name with ALL correct information including an attached checking account. I have NEVER had a dispute or had a customer complaint. This money was to be used to pay my bills and feed my family. PayPal has committed an act of theft and fraud and I need this agencies help in securing what is rightfully and legally and lawfully mine.

Company response to consumer: Closed with explanation