BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX University is going through a lawsuit and is required to have all negative remarks removed from students credit report. The 2 late payments needs to be removed off the credit report. There is also supporting documentation for this matter. 
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 2020-11-19
Company: M&T BANK CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am an XXXX XXXX  from XXXX  XXXX XXXX XXXX XXXX, which lived in XXXX, Maryland. The thing is that M & T bank closed my account without any powerful reasons and put me on their blacklist for no reason when I was trying to start a new account. I was told that my account was closed in XXXX, and I went to the local branch as soon as possible to ask for help, the representative told me they will help me to build a new account but I need to make an appointment on the phone call. After making an appointment I went there in XXXX. When the representative found my account was closed, she said I will be not permitted to apply for any M & T bank services any more in my whole life. After I left I just have something want to ask, such as what about the online application account, and why my account was closed and so on. So I decided to go back there to ask for the questions one more time. However, when I walked into the bank, a bank stuff who was standing on the front desk drove me out because she said the representative need to eat dinner. She said that I can go back to ask for help after 20 mins later. I listened to her and went outside to wait for the permission. At that time, I saw different customers entering into the bank. They can be treated as normal customers but only expect me, a XXXX? 10 mins later on, the XXXX woman who worked in the front desk went outside, then she drove me out rudely. She interrupted my words several times and carried off the representatives name card which she gave me before. She warned me You will not be permitted to enter into this bank any more forever, go to find another bank do you need recommendations? You even can not stand outside of this bank. I was really shocked because I am just a XXXX  and dont do any suspicious activity on my money account. My money transaction history is only for my daily life fee and rent fee. 
In conclusion, I want to report for two things : the first is that why the bank can close someones account without any reasons even for an unblemished M & T bank account record. The second thing is for the racism for bank stuffs. They drove me out and treated me like a dangerous fraudster without any proofs, and treated me different from other American customers. The address of this M & T bank is XXXX XXXX XXXX XXXX, XXXX MD 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 2020-11-19
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/20 want to refinance my home for a cheaper interest rate since I've been Flagstar Bank mortgages-XX/XX/20 still haven't closed I've done All of my part submitting paperwork/checkstubs 2 twice now ... Paid for an appraisal in XXXX XXXX20. 

Now advise No longer want to refinance as I'm going with another lender at a cheaper interest rate to boot! better than my own mortgage company. 
I don't want to pay for another appraisal since can use this one but must be within 120 days ... 
XX/XX/20 asked for my appraisal to be transferred over to my new lender-5 times I sent written requests, asked to speak to my lender 's supervisor whom I have now left 6 messages to call me all no No avail,,, Asked for his supervisor/district or regional manger-spoke to one supervisor who advise that supervisor would call me back once off his current call ... I got No call yet!!!!!!! 

Help transfer my appraisal & loan over!! GUH!!!!!!! Months of frustrating ...

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 2020-10-29
Company: Experian Information Solutions Inc.
State: IL
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:
Loan was paid off and submitted to Experian and all other credit bureaus. Unfortunately the credit bureaus are the ones that did not update the credit reports to show, my XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was closed and paid in full.

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 2020-11-19
Company: Credit Plus 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 following hard inquiries should be removed from my credit report : Credit Plus from XXXX XXXX. XXXX from XX/XX/2020 and XXXX XXXX XXXX  on XX/XX/2020. I did not authorize these banks to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls from debt collectors for a XXXX XXXX. This has been going on for at least a year. Each time I tell them I do not know this person and to please take my phone number off their list and the the list of the person that hired them. Each time they tell me that they can only take me off of their list. Today I got a call from Comenity Bank. I asked them to take me off the list and also to have me taken off the entities list that hired them. It appears that Comenity is the lender that the debt is owed to but they could still not guarantee that I will not get calls from any one else even when I asked to have my number taken off any one they have hired to collect this debt. All I want is for the calls to stop but they could not commit to doing that or give me any information on how to get it stopped. 
Latest call was today XX/XX/XXXX at XXXX. The supervisor I spoke to was XXXX. He would not give me a last name or a direct number to call him back on. He wouldn't answer any of my questions about whether or not they were the source lender or the nature of the call. Said it was against the law. Every one kept repeating that. I asked XXXX to cite the law and he could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 2023-03-02
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The company is having agents call make arrangements for payment falsely and deceitfully assign the vehicle for repossession after claiming they would make sure the car doesnt fall into repossession and the payment plan was valid the car itself is disabled from vandalism and theft and they are unwilling to take into consideration the customers needs for assistance.Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Paypal Holdings, Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
+ not refunded XXXX XXXX perks XXXX XXXX XXXX XXXX perks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refund received XX/XX/XXXX XXXX XXXX no product southville XXXX PayPal # 1 XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Seller couldnt refund amount to PayPal right away for whatever reason o They attempted to take out the XXXX out of acct but was rejected because the 2nd transaction from XXXX  made it first to bank o Was charged two {$26.00} over draft fees for XXXX o Bank refunded those on XX/XX/XXXX o They took out XXXX today ( XX/XX/XXXX ) o Bank charged me {$26.00} o Waiting for Paypal Case to refund me the {$680.00} PayPal # 2 XXXX XXXX XXXX XXXX ( REFUND RECEIVED ) o Order for XXXX placed o Did it wrong and hotbox sent refund right away o It was reflected under the refund section and in my paypal balance o I sent this XXXX to my acct o It was never received at bank and no longer reflected in paypal PayPal # XXXX XXXX XXXX XXXX XXXX ( AWAITING REFUND ) o Order is legit o Never received laptop o Seller wont confirm shipment or tracking o Catting with seller stated XX/XX/XXXX but nothing has ever been delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
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 am a victim of identity theft

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 2023-03-24
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

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 2019-08-20
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:
The Credit bureaus are reporting erroneous information on my credit reportThis address was linked to my identity theft case and should be removed immediatelyXXXX XXXX XXXX XXXX CA 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 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$3000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

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 2020-11-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$3000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

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 2020-10-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
repeated unsolicited text messages, no Stop command XXXX XXXX CRDIT-REP0RT ALERT : XXXX DeIinquent ltems Found : Dispute By XX/XX/XXXX : XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: EQUIFAX, INC.
State: TX
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:
I contact XXXX XXXX on XX/XX/2018 and they responded. On XX/XX/2018 I provided further information as to their failure to uphold their own lease terms. 

The constant XXXX XXXX, the lack of the use of Washer and Dryers and money wasted. The neighbors downstairs noise and guest XXXX. My daughter grades are suffering and Im just exhausted with it all. I appreciate so much the opportunity to make a fresh start but my whole life was just crippled by the environment and inability to have space to even relax. Im working sometimes XXXX XXXX to XXXX XXXX and its just constant noise and disrespect of the community. If I try to tune it out then my downstairs neighbor beats the ceiling or slams the door. She is volatile and manipulative and it triggers me to get so depressed because I am upset. I cant function and be productive like this. 

On top of these issues there were several XXXX snd XXXX users on the premises and soliciting drugs to my daughter as she walked to and from school. This company put my childs life at risk snd endangered others. The leasing management partner XXXX XXXX offered me to move properties but all were very similar to the same environment. 

I do not owe XXXX XXXX XXXX NOR XXXX XXXX. There has been no debt verification, validation sent to me ever and I be not resided on this property in over 2 years. 

Until they can provide proof of NOT allowing drug activity on the premises and allowing barred/banned residents to remain in the property and also child predators on the property as it relates to THEIR own terms and conditions and bond agreement then there is no basis for this collection claim and it needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2020-09-07
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I submitted a cash transfer to my friend XXXX XXXX ( $ XXXX  ) in the amount of {$100.00}. The money was not received by Mr. XXXX and the app actually displayed the word " refunding '' and showed a refund by date of XX/XX/XXXX. The amount shown to be refunded is {$100.00}. That money was to be returned to my Visa Debit card ending in the numbers XXXX. The Cash App identifier for that refund is # XXXX. 
I submitted a request for help with this transaction from Cash App Support because XX/XX/XXXX came and went and my money is still in limbo. I have also not heard any response from Cash App Support about this matter. I attempted to reach Cash App by telephone and that was impossible. 
I am still awaiting the return of my money. Any help that you can provide to me will be much appreciated.

Company response to consumer: Closed with explanation