BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Trans Union and XXXX allowed XXXX to report false information which is causing me great harm and making it hard for me to apply for housing and necessary credit. XXXX has been posting missed monthly payments on a charged off account from XX/XX/XXXX on my Trans union credit report. They reported that my last Payment was on XX/XX/XXXX which is in-accurate and that I missed payments of XXXX in XX/XX/XXXX & XX/XX/XXXX on a charged off account. By them reporting erroneous information it has harmed my payment history. I sent a certified letter to Trans Union and XXXX  in XX/XX/XXXX asking that the account be deleted due to its many in-accuracies. There results was them only confirming and updating the same information and only deleting the missed payments in XX/XX/XXXX & XX/XX/XXXX which was against the law from the beginning. The last payment was XX/XX/XXXX in the payment history not XX/XX/XXXX and they really did not update anything. XXXX  was the only one company that caught the many mistakes and remove it completely from my 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 2021-07-02
Company: WESTERN UNION COMPANY, THE
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Your tracking number XXXX Date of transaction : XX/XX/2021 XXXX ET. Transferred using western union XXXX $ from my bank account to XXXX XXXX account. 
The transfer is supposed to take 4 days. 

Got an email on XXXX XXXX that thr transferred is completed and money will be available on XXXX XXXX. 

Did not receive money. 
On following up on XX/XX/XXXX again, was transferred multiple times between various departments Customer service to Compliance department and back to Customer service XXXX from customer service department XXXX # XXXX acknowledged that I was being transferred repeatedly between departments because they did not know what to do. 
Western Union did not even log my complaint and asked me to call back again. 

End result is XXXX $ were withdrawn from my account and never sent to the recipient account, with western union not assisting or acknowledging what the problem is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received two notices from XXXX XXXX XXXX that it was attempting to collect a debt on outstanding medical expenses. According to the notices, I was given until XX/XX/2022 to dispute the debt. Today, XX/XX/2022, I called XXXX XXXX XXXX to pay the bill. The woman I spoke with at XXXX XXXX XXXX referred me to Americollect XXXX Inc. and gave me a telephone number for them. I called Americollect and spoke with a woman who took my background information ( i.e., name, address, etc. ). This woman told me I had two outstanding accounts in the total amount of {$780.00}. The woman said she'd get someone on the phone to take the payment. I then spoke with another woman, who identified herself as XXXX. XXXX took the same background information. XXXX confirmed there were two outstanding bills. She said the outstanding amount was approximately {$1200.00}. I said I'm not paying that ; I'm only paying the {$780.00}. I asked where the total came from. XXXX said it was " legal costs. '' I said what do you mean? She said " didn't you get a summons and complaint in the mail? '' I said no I had not, and, furthermore, my notices gave me until XX/XX/2022 to dispute the bill. I told her that I thought she was in violation of the fair debt and collection practices act. She said she'd need to check with someone else. I was on hold then for about 7 minutes. XXXX came back on the phone and said she checked with " legal counsel '' and the balance was {$780.00}. At that point, I asked her to repeat what amount she originally had asked me to pay. She refused to answer this question. Instead, she responded, in an irritated tone, " Do you want to pay the bill or not? '' I then paid {$780.00} by credit card. I asked how will I be compensated for the FDCPA violations. XXXX said she'd need to get a supervisor on the phone. After a 10 minute wait on hold ( only interrupted by XXXX saying " someone will be with you shortly '' ), I spoke with XXXX, who identified herself as a " coach/leader. '' I told XXXX to preserve the recording. XXXX said they record all the phone calls. I explained my situation to XXXX and told her they were in violation of the FDCPA. She said do you want to make a complaint. I said I am right now. I also said I am considering legal action. XXXX asked " who is my attorney? '' I responded I am an attorney. I then gave her the name and address of my law firm. XXXX promised that their legal counsel would be in contact with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Westlake Services, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Company : Westlake Financial Services XXXX XXXX : XXXX XXXX XXXX XXXX Account : XXXX Vehicle : XXXX XXXX XXXX I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' WESTLAKE FINANCIAL SERVICES is a financial institution by definition under this title. 15 USC 1681 section 604 a section 2 states that under the following circumstances and no other private information can be shared : in accordance with the written instructions of the consumer to which it relates. Westlake Financial Services the financial institution do not have my consent to furnish this information and they surely do not have my written consent. Any consent to Westlake Financial Services whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Westlake Financial Services never informed me of my rights to excesses my nondisclosure option. 

Westlake Financial Services had shared my nonpublic personal information with XXXX XXXX XXXX  XXXX without my consent, violating 15 USC 6801, 15 USC 1681, and 15 USC 6802. In Addition Westlake Financial Services XXXX XXXX XXXX XXXX  XXXX to take possession on my property ( XXXX XXXX XXXX ) without my consent, violating 15 USC 1692 ( f ) which states A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property. On XX/XX/XXXX and again on XX/XX/XXXX XXXX XXXX XXXX  XXXX had taken non-judicial action against me in a form of dispossession of my XXXX XXXX XXXX property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: Comerica
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/19 - I attempted to use the card but it was declined at the register. I used another form of payment and just assumed the stores system was the problem. 
XX/XX/19 - I attempted to use the card again at a different store and it was declined at the register. I used another form of payment. When I returned home I logged in to my account on the internet and it would not let me log in. There was a red statement that said something to do with fraud and gave me a number to call. 
I called the number for Direct Express Fraud Services Department. Immediately they got me to order a new card. I did and it cost {$13.00} to get it immediately. Then they started to ask questions about transactions. I can recall two that she mentioned both for XXXX XXXX, XXXX XXXX. I did not make those transactions. The last I recalled using the card was for two companies, XXXX and XXXX, on line. They told me they would send forms for filing a fraud action, they did and I returned it via fax to their fraud department. 
XX/XX/19 When I went to my post office box there was a letter from them dated XX/XX/19 that stated there was a conflict of some sort and that they couldn't confirm the fraud. The letter said I could request a copy of the docs they relied on by calling a number. I called and they said they are sending it. 

I don't check my online account for this card everyday but I do check it and save my receipts to make a comparison. Had I seen these charges I would have called to complain that they are fraudulent but I hadn't checked recently. 

I wasn't the one that noticed the online purchase, it was Direct Express which is why they shut down my card. 

How is it that they detected a potential fraud and shut the card down and then when they talk to me and I agree they were not my charges they say I am not proving it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
State: PR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased a mattress through Costco online and was delivered to my home on XX/XX/XXXX. We ended up returning the mattress and a Costco moving company picked mattress up from our house on XX/XX/XXXX. I was promised last Tuesday my refund would be issued within 3-5 business days. Still waiting on a refund.

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 monetary relief
Consumer complaint received 2022-01-25
Company: AMERICAN EXPRESS COMPANY
State: WI
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:
I recently noticed several " hard inquiries '' on my credit report from financial institutions I did not apply for any credit from. A few days later I received written correspondence stating that they were processing my applications. I did not apply for any credit products from them! I attempted to contact all the companies at the phone numbers provided in the mailings and none of them were answered- just sent me to recorded message that all operators were busy and to try back again. The companies are : American Express, XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX  XXXX - this one sent me a credit card I will not be activating and I am worried that trying to cancel the card will negatively affect my credit report. I want the " hard inquires '' and any other information they report removed from my credit report as they are fraudulent! I want the XXXX XXXX card canceled and all information removed about it from my credit report. I attempted to file disputes with the three major credit reporting agencies and was unable to fine the link to actually file a dispute! All links just lead to information on disputes! The credit reporting companies must provide prominent links or actual phone numbers to the real dispute process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
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: 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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX 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 XXXX XXXX XXXXXX/XX/2022 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 4 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 2019-09-26
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, The reason for my dispute is CONVERGENT OUTSOURCING INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CONVERGENT OUTSOURCING INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CONVERGENT OUTSOURCING INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CONVERGENT OUTSOURCING INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CONVERGENT OUTSOURCING INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CONVERGENT OUTSOURCING INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2023-12-06
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23 I went to my local branch M & T to get a medallion stamp. The branchs Manager questioned the form when its a Fiscal Form from the Treasury. This particular Branch has been known for discriminatory behavior, Lying to their customers about only notarizing statements because their not familiar with the customer. The unprofessionalism and discrimination will not be tolerated at this Branch. This particular form the manager stated she has to check with her legal team as she can not sign on behalf of the bank when the Bank is the Trustee! It was explained the nature of the form and she shouldnt be questioning me about it when it clearly states the purpose of the form. The last page just asks for a stamp. The manager had no issue with stamping any of my other forms except this one! As the Trustee of said Bank its her duty to fulfill its obligations and leave her personal discretion out of business. The staff at this location displays unprofessional behavior when customers of color enter the branch! Notarys are only to identify the persons signature as well on the Fiscal Forms! Its contents unless otherwise specified the notary shouldnt read due to privacy. These practices will not be tolerated by its customers who is making money for this institution!

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 2023-10-17
Company: Sunbit, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I open an installment account with sunlit and I was not instructed properly about payments schedule and my mail got to me late and caused me to make a late payment I try to get it removed or work something out with the company after I made that mistake auto payments have stated and I have not made any late payments. I request that late payment to be removed since is affecting my credit tremendously and I am a single mother trying to get better housing for me and my kids but due to my credit score reporting a late payment been very difficult

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am making this complaint from my own guidance and that of the ftc. there is no third party company involved with this complaint this is me making this complaint. i noticed that there is an account on my credit that i did not authorize or get on my own accord. i reported it to thhe credit reporting agencies but they did nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I opened an account with XXXX XXXX ( acct ending XXXX ) ( please see attached ). I never missed a payment. In XX/XX/XXXX I was notified by XXXX XXXX that my account had been charged off. Knowing that to be false, I asked them to produce proof. The account number ( acct ending in XXXX ) they provided me didnt match my account. They then told me that I opened a second account with them sometime in XXXX. I notified them that wasnt the case and asked them to produce something in writing showing that I asked for a second account. They were unable to do so. In XX/XX/XXXX I filed a formal challenge with Experian ( please see attached ). Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, states that [ Experian ] is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. They have not and can not provide any written proof that I have ever applied for this second account. As a result, my financial reputation is at risk. This matter should be investigated by your office as Experian is engaged in the defamation of consumers and is complicit in the spread of misinformation.

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 2018-02-10
Company: Applied Business Services, Inc.
State: CA
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:
Date Opened : XX/XX/XXXX Account Name : APPLIED BANK Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$860.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$350.00} My identity was stolen 14 years ago but till this day they still apply for credit cards, car loans, personal loans, they even stole my mail from my mailbox thats how they were able to get the credit card from my mail then make payments for some time, thats why when you do your investigation everything matches, because they stole my mail, i haven't use my credit for over 10 years because of this identity theft i was XXXX when that happened, i don't even have anything to proof that this is not my account even if payments were maid, because they had bank accounts under my name, more then 10 years I'm trying to clean my credit report. thank you for understating please remove this negative account from my credit report because this doesn't belong to me.

Company response to consumer: Closed with explanation