BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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  XXXX : # XXXX, XXXXDEPT OF ED  : 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 an account without my written instructions. No reporting agency has my written permission to furnish any accounts. 

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 or 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.

15 U.S.C. 1666 ( b ) states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2019-09-23
Company: American Collections Enterprise, Inc.
State: VA
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:
We disputed this debt of {$200.00} in writing. We filed an earlier complaint XXXX, but the response was both unsatisfactory and inaccurate. The contracted amount was reimbursed by my insurance. Amcollect has ignored my requests to furbish proof of debt or to remove this from my credit reports.

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 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon further investigation, I contacted each credit bureau XXXX and Equifax. I verified that XXXX XXXX is reporting account : XXXX illegally. This company did not have my permission to obtain my personal information to open an account. I have sent this company several notices in writing via USPS certified mail to inform them that my information was obtained fraudulently and to remove this information from my credit files. I have sent them a police report, an identity theft affidavit from FTC, and also from their company website and identity theft affidavit. All documentation notarized by the state of Ohio. This company has ignored my request to do a thorough investigation into this account. 
This company is also reporting misinformation to each bureau. On XXXX it says the closing date was : XX/XX/XXXX on XXXX the closing date is XX/XX/XXXX. XXXX XXXX is also reporting monthly an over the limit utilization rate when the account is closed and charged off. XXXX XXXX is also report to Equifax and do not have an address, social security number, phone number, nor original documentation on file stating this account belongs to me. I have asked for this company to send me proof of the account. They have ignored every attempt. I have a confirmation number from Equifax : XXXX regarding this dispute. XXXX XXXX is also updating the account with my current information I have sent in for the dispute, and I did not give my permission to do so. This is a violation to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Express Credit card has in throughout the year called multiple family and friends explaining the need to get a hold of me about my debt and asking the person for a number or information on me this is repeatedly at least once a month from the end of XXXX and now increasing from XXXX they call the same family or friends with the same question. The account under my knowledge is being placed or already has with collection agency from my understanding but, the other day I had my mother tell me they called twice America express its embarrassing and harassing. I feel intruded on how did  they get my friends number it's not on anything I have and others as well? Why call to give personal info? And why so many times?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several 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 alleged fraud or extortion. 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 Balance : {$20000.00} ; XXXX  XXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX  XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Regarding Santander consumer finance 24 state AG Settlement. 
Santander states my account was overlooked to be included in settlement. 

Account meets all requirements to be included in settlement. 
1. Loan was acquired during time frame ( XX/XX/XXXX ) 2. Loan was charged off within 12 months 3. Defaulted on loan and car was NOT repossessed. 

Information with Santander as follows : Account number : XXXX Name on account : XXXX XXXX Vehicle : XXXX XXXX XXXX Separate complaint will also be filed against Santander consumer for changing interest rate on finance agreement without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have tried to communicate this issue only to have BMW financial services yet they claim they do not believe I am the one sending the correspondence I have attached notice of billing error along with evidence stated in my notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: SC
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 submitted paperwork for Equifax to investigate some unfamiliar accounts on my credit report and they have failed to do so and/or notify me. The other bureaus have removed these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This is for a Business Checking account with Bank Of America. One of our X employee cashed his paychecks ( multiple paychecks ) Twice. Bank of America failed to catch that same checks were being cashed twice. On multiples of checks, all cashed twice. 
We opened a Claim on XXXX : Claim # XXXX Amount of all checks cashed {$6500.00} Bank of America Fraud Dept . never follow up., We kept a log calling them., They kept on delaying. They made me go through providing copies of checks and having them notarized, while all along they should have all these records in their own system. Now they denied my claim stating time has passed and they can not help me. We opened a request to reconsider. No one ever followed up until I followed up myself and I am told, tough out of luck, time has passed and they will not reverse these funds back to me. This is OUT RIGHT FRAUD. The MOST BASIC function of a bank is to NOT CASH any check TWICE. They failed to do that on multiples of occasions,. When we saw it and caught up to it, they are hiding behind time limit. This is a FRAUD and we need help in getting protected and hold this bank accountable.

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 2021-03-07
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
* On XX/XX/2021, I applied online for a 1 ) BB & T Bright Banking Checking account and 2 ) a High Performance Money Market account. 
* As part of the application process, I was asked to provide an initial source of funding. I used an existing checking account from XXXX XXXX to provide funding. 
* After I submitted the application online, the initial funding was instantly taken from my checking account at XXXX. The specific amounts were {$100.00} to fund the checking account and {$200.00} to fund the money market account, for a total of {$300.00}. 
XXXX XXXX XX/XX/2021 ( the very next day ), BB & T sent a letter by mail informing me that my account ( s ) were closed and that within 10 business days they would either 1 ) mail a check with the funds in my account or 2 ) return the funds to the financial institution who originated the funding deposit ( s ).

* More than 25 business days have passed and I have not receive the initial funding back.

* I have contacted BB & T multiple times with no insightful response.

* It is outright fraudulent for BB & T to have withdrawn initial funding from another banking institution for an application that was de facto declined.

* It is also outright fraudulent not to follow up on their own legal correspondence which had promised to return the funds within 10 business days.

* Furthermore it is very problematic that BB & T has no actual customer service. Both the phone number on the back of the debit card, and the general phone number on BB & T 's web page are inaccessible without a special security PIN. This PIN is not automatically provided during the application, nor automatically mailed thereafter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not make these inquiries. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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 Account number : XXXX / XXXX Account name : XXXX XXXX Account number: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 explanation
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-01-14
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was unable to log in to my PayPal account for no reason last yearXXXX and received an email from paypal told me that some activity on my account that didn't match my usual activity. they are concerned someone may be trying to use my account without my permission. I changed my account password as they requested and they told me that Access to my PayPal account has been restoredXXXX, but when I logged in my account, I was asked to submit proof of identity. I am a XXXX living in the XXXX, and I often need to ask for help from merchants to buy some goods for my families and friends in my country, and I also need to find someone to help me with some financial transactions in my own country, this is not an unusual activity nor is it a hack of my account. PayPal has unreasonably and recklessly restricted my account, which has caused me a lot of trouble in my life and study. PayPal is a big company, and its influence in the United States and even internationally is huge, so it should be more responsible and can not be so XXXX and lack of judgment, because XXXX of their miscalculations will I hope that PayPal can restore my account so that I can conduct transactions and live normally, without my PayPal account, a lot of my daily life has been put on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a mortgage with Bank of America and they provided a letter showing the closing amount due as {$220000.00} good to XX/XX/XXXX. 
I closed on a refinance with XXXX XXXX on XX/XX/XXXX with XXXX, XXXX, and XXXX as the closing agent. 
The amount of {$220000.00} was wired to Bank of America. 
Today, XX/XX/XXXX, I receive a letter from Bank of America the balance for payoff as of XX/XX/XXXX is {$270000.00} and they have not closed my mortgage and have not sent a satisfaction of mortage letter. 
On XX/XX/XXXX, Bank of America took a full mortgage payment plus a principal curtailment in the amount of {$1900.00} without my consent. 
Not only did Bank of America change the payoff amount, they later increased it from {$220000.00} to {$220000.00} plus they took a full payment on XX/XX/XXXX without my consent. I am on the phone with XXXX from Bank of America today and have no resolution.

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 2021-12-09
Company: EQUIFAX, INC.
State: AL
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:
On these dates below the following inquiries were unauthorized : ( XX/XX/XXXX ) XXXX XXXX, ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony bank has been harassing me with phone calls and letters since XX/XX/2018 about credit card debts that are not mine. I have explained to them that I am a victim of identity theft and never had any accounts with their company. I have sent in the documents that they asked me to fill out as well as my police report filed with the Wyoming police department. I have also been disputing fraudulent information with this company and other companies about fraud accounts. I asked the company not to call my home but they continue to do so as well as sending threatening mail.

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 2023-01-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2021-12-09
Company: EQUIFAX, INC.
State: WI
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:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation