BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On three separate occasions over a one week period ( XXXX through XXXX ) I have received three debit cards- referencing three new accounts opened in my name from M & T Bank. All accounts were opened On-Line using my name, address and SSN. The Bank has finally placed fraud alerts so that no other accounts or cards will be issued in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I received an email from Chase.com yesterday XX/XX/2020 at XXXX alleging that I recently deleted my phone number from my Chase mobile account. Since I did not do that, fearing fraud, I immediately attempted to login to my account at chase.com. Upon entering my password, a message appeared that my account had been locked and to call the provided number XXXX. I called and after some time with a customer service rep was told that my accounts were closed with no notice, recourse, access or explanation. I now, during a pandemic, lockdown, riots and everything else, do no have my funds to live, eat, fuel my car, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NC
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Firstsource Business Process Services, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The Debt Collector is in communication to collect debt when there is no contract that I signed for them to access my information or the company to collect any debt at all. I need the company to stop all communication efforts as they are in violation of my consumer rights. I need the company to XXXX under penalty of perjury you were present during the alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: HYUNDAI CAPITAL AMERICA
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:
Sent identity theft letter to all XXXX credit bureaus, XXXX, XXXX and XXXX. I also reported to creditor and did not received results. I sent letters to credit bureaus on XXXX 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 2021-02-04
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an account at PNC for about one year. It was opened right before COVID struck and as a result of shut-downs, and civil unrest the XXXX  business remained inactive. Now that we have entered into a more optimistic period the business has started moving forward. I funded my account began to buy supplies and stock for my company. But in almost every transaction my debit card is declined. It is so bad that I have had to use my personal account for the majority of transactions. 
As I assume with most accounts when they are open PNC gave me a starter check to use. I have had no occasion to use a check in the digital age. On XX/XX/2021 I signed my lease for my first storefront using my life savings. The check was for {$8400.00} dollar and my balance was {$20000.00}. Though I used the check the bank gave me to use they refused to honor the check. They refuse to give me a reason why other than saying security reasons. This has cost me my lease and most of my life saving that I have already invested in fixtures, permits, insurance, and signage for the storefront. 
I just want a business account that can be used by a XXXX business owner without being under some false flag of suspicious activity. It is just plain XXXX to deny me access to my own deposit using bank-issued instruments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: MO
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 have submitted more than one complaint. I have disputed many accounts and provided documentation from creditors for paid accounts. XXXX has more than once refused to fix and update my credit. They have now reported delinquent on several accounts that have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: MD
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 15th 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 XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I found accounts on my report that don't belong to me.

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 2023-05-25
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:
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 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 2022-02-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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 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 2021-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2021 I sent in a dispute letter to Transunion LLC to verify some accounts on my report. I sent the disputes certified mail with return receipt, which they signed on XX/XX/XXXX. I had not received a response, so on XX/XX/2021 I sent in a second letter stating that they did not respond to my dispute and did not investigate my accounts. This was also sent certified mail with return receipt, signed on XX/XX/2021. On XX/XX/2021 they responded with a letter saying they were unable to locate my credit report dispute and that they were unable to locate a credit report for me. I do have a credit report with Transunion LLC as I could see it on different companies that supply a credit report and I do have accounts that are open that I know are reporting to Transunion LLC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 2022-03-23
Company: AMERICAN EXPRESS COMPANY
State: OH
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:
The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the XXXX bureaus, they have not responded at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX - XXXX I was Never late in the year XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX also told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 120 days late. Same in XXXX. The credit bureaus keep changing late days without any notice from XXXX informing them to do so. If XXXX wont send you any information then you must correct it. 


Besides. this is a violation and illegal to be reporting late payment transactions on my consumer report. 
15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never supersedes Federal Law. Also 15 U.S.C 6802 B - I was never given this option to opt out! Please remove all late payment transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX, TransUnion and XXXX have been reporting bankruptcy to the credit bureaus. 
The courts do not report any information to the 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 non-monetary relief
Consumer complaint received 2022-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a new vehicle ( XXXX XXXX XXXX XXXX ) on XXXX XX/XX/XXXX from a dealership in FL. They selected Capital One Auto Finance, XXXX XXXX XXXX, XXXX, TX XXXX to partially fund my vehicle. I reside in NC. On XXXX XX/XX/XXXX, the loan was paid in full and Capital One sent me a " Lien Satisfied '' letter directing me to the NC DMV to acquire a " lien free title. '' I immediately went to the NC DMV and was told a " Lien Release '' was not good enough that they required Capital One Auto Finance to release the lien " electronically '' so on their computer it would show up as the lien being released and then would issue me a clear title. I relayed that to Capital One Auto Finance and only received another Lien Release letter dated XXXX XX/XX/XXXX. Went to the NC DMV with that letter and got the same response as the first time. Telling me all we ( or I ) could do was wait for Capital One to fulfill their obligation. I sent an unanswered letter to Capital One on XXXX XX/XX/XXXX. Called Capital One again on XXXX. to see if electronic notification had been sent. Called again on XX/XX/XXXX. All phone calls to the Capital One Title Department received nothing but false promises. Continued to search to find avenues to resolve my issue. On XX/XX/XXXX, filed complaint with XXXX ; on XX/XX/XXXX, filed complaint with TX AG. Recently I have found a form MVR-4 to file with NC DMV to acquire a copy of my title since " original was never received ''. However, a portion of the form is Titled Affidavit of First Lien Holder which needs to be completed by Capital One and notarized but I'm afraid if I sent it to them it may find it's way to the same place my original letter did. Any assistance in resolving this issue for me ( and I understand ) others would be greatly appreciated. Right now I feel like I'm on a merry-go-round between Capital One & NC DMV with no clear title in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/AIDV Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-05-16
Company: Paypal Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Someone is impersonating Pay Pal. They say I ordered an XXXX XXXX, which I never ordered. I have never done any business with Pay Pal. Here is the person who sent me this fraudulent email : XXXX XXXX XXXX The amount for the XXXX  is {$680.00} which I never ordered and never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.

Company response to consumer: Closed with explanation