BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-09
Company: M&T BANK CORPORATION
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
In XXXX of XXXX I sent a message to M & T Bank to request if it was possible to change the due date of my camper loan. About 2 weeks later I received paperwork in the mail to change the due date. As the camper loan is in both my name and my husband 's name we both signed the paper, I took a copy for my records, and placed it in the mail on XX/XX/XXXX. When no changes were made to the account in XXXX I thought perhaps they require a full billing cycle to make the change. When the change still was not reflected in XXXX I attempted to call the bank with no success. Every time I have attempted to call, which has been over a dozen times, I am looped through their menu and regardless of what options I choose it always ends with a message stating they are experiencing a higher than usual call volume and can not take my call so I should try at another time. After I was unable to reach anyone by phone I sent a message on XX/XX/XXXX through their secure message system on the bank website asking why my account still did not reflect the due date changes. I did not receive a response until XX/XX/XXXX informing me that they never received the mailed paperwork. I was told I could mail a copy again or fax it to a number they gave me and the changes would only take 2 business days to be reflected on my account once they received the paperwork. I chose fax so that I could be sure it was received this time. I faxed the paperwork to M & T Bank on XX/XX/XXXX and received confirmation that the fax was successfully transmitted. It is now XX/XX/XXXX and my account still does not reflect the changes and I have attempted to call 6 different times on XX/XX/XXXX with every call ending with the message indicating they were experiencing a high call volume and to call again later. I sent a message through their secure message system on the website on that same day, XX/XX/XXXX and still have received no response. Our camper dealer secured this loan and we had no idea there are no physical locations anywhere outside of the eastern United States. We live in Colorado and since their phone system is either unmanned or grossly inadequately manned we are literally at their mercy. I have no recourse and I can not reach anyone at this bank to find out why we have been actively working for 4 months to make a simple 10 day change to our loan due date and can not seem to accomplish this. It causes me great concern as to the reliability of this bank and as a loan holder through them I feel incredibly helpless to do anything but continue paying my loan for the next 12 years.

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 2023-07-18
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:
I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : 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 2021-02-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KS
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FIFTH THIRD BANK add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written auth orization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid {$5000.00} on my HOme Depot consumer card on XX/XX/XXXX in which the funds were released immediately. I tried to purchase a refrigerator on XX/XX/XXXX but was declined because XXXX did not post the payment and instead was going to hold it until the XXXX. If I would not have called and inquired about the balance and why it does not reflect the correct information they wouldve reported to the the credit bureaus a false balance thus jeopardizing my credit score and history. When I spoke to three different CSR no one could explain why I had to call back in and tell them to post the money they held for the last 8 days. Why would they subject me to this bias and unfair credit treatment by holding my funds that was released immediately and eventually reporting bad information to the credit bureau? What type of protection as a consumer do I have from this fraudulent practice?

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 2018-11-29
Company: Nelnet, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My personal phone, and the personal phone of my son are being harassed by call centers that I'm assuming to be associated with Nelnet or XXXX. The person that they are calling and inquiring about is my son-in-law. I, nor do my son have any responsibility to this person 's debt, and all of the payments for any of my children 's debt that I have co-signed for are fully up to date. I don't understand how my son would be harassed by these tactics nor do I understand how they would associate him with my son in law without cross-referencing them through different accounts that we are associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updates as soon as possible. I have not nor have ever received and/ or authorized the release of any goofs or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report be provided along with all pertinent information relating this matter.

The fraudulent accounts are as follows : 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

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 2021-02-08
Company: ALLY FINANCIAL INC.
State: KS
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXXXXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2020, ALLY FINANCIAL XXXX INC add a hard inquiry on my credit report per XXXX 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After checking all 3 credit reports, I found an entry for a credit card issued through XXXX XXXX Bank that was showing in collections through XXXX XXXX XXXX. As I have no knowledge of this account, I disputed in with the credit reporting agencies. They said that the report will remain as they confirmed the information is valid through XXXX XXXX, XXXX. 

On XX/XX/2023, I wrote to XXXX XXXX XXXX stating that the account through XXXX XXXX Bank does not belong to me and that I have no knowledge of such an account. I then requested a complete copy of all documentation they had from XXXX XXXX Bank, proof that I authorized the account, copies of all receipts of purchases, etc. made, etc. I requested that the information be provided within 15 days or I would file a complaint with you. 

It's been 30 days since my letter to them and no response. The account they say belongs to me does not and they have not proven that it is. They have not responded. I want the information removed from my report 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 non-monetary relief
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. State 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.

15 U.S.C 1692 Section 806 Section 5. States- Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

15 U.S.C 1692b Section 5. States- not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt 15 U.S.C 1692b Section 2. States- ( 2 ) not state that such consumer owes any debt 15 U.S.C 1692 Section 805 Section A. States ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692 Section 805 Section C. States ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be investigated and updates as soon as possible. I have not nor have ever received and/ or authorized the release of any goofs or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report be provided along with all pertinent information relating this matter.

The fraudulent accounts are as follows : 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

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 2019-07-23
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has frozen our accounts and refuses to release our funds, also : - PayPal doesn't reveal the criteria it uses to trigger a payment hold, making it impossible for sellers to learn why their funds are being held or to determine if an error had been made ; - Sellers make zero interest on their funds, while PayPal presumably does earn interest on the sellers ' funds ; - PayPal has no accountability ; there are no auditors or checks and balances. 

The fact that this is continued to be allowed by consumer rights organizations is saddening. They continue to pray on small business and discriminate against legal business violating their rights under US law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Self Financial Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are multiple problems with this company, but I could only choose one. This company accepts very limited means of payment and I had just moved and could not access all of my money to pay them in a way that they accepted. The most appalling thing about this company is that they do not close their accounts when asked to do so. They require you to ask two times and they show late payments on your credit report despite this. It is not clearly stated ( or even stated anywhere ) that you need to go through a two step process to close your account. It is predatory and the effect is to place late payments on people 's reports and harm their credit, not help people 's credit as they claim. It is harmful. This is a CD loan intended to help people, but they are lying it is predatory. Their practices are harming people 's credit through no fault of their own. They basically claim people are so stupid they need to protect you from closing your own account with them. They should be allowed to practice in this fashion. They are harming many people the way they conduct business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I opened 5 new lines with XXXX XXXX in XX/XX/2022. 2 days later 3/5 lines were cancelled online from XXXX and 2 phones were sent. I called and cancelled the 2 remaining lines and asked for a return receipt. I spoke to 15 different representatives over the phone and no one was able to send what I needed but they cancelled the accounts. Once I receive the labels I tracked the package both phones were returned. I then received a bill for over a {$1000.00} for services I never received. I have tried to contact XXXX nothing has been done.

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 2018-02-20
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX XXXX ran hard inquiries on my report without my written consent. I never agreed to them hitting my credit report with 13 lenders over the course of 3 days total. I gave them permission to look at the deal and come up with numbers. I never gave permission to hurt my credit score by 13 different hard inquiries. I would have never done business with any of their crooked lenders, because they are all in direct violation of Anti-Trust violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had set up autopay at the beginning of XXXX and normally receive emails for what's due every month for my credit card. I've never been late on payments before so I was surprised to see interest charges and late fees on XX/XX/XXXX. Apparently, my autopay failed to setup correctly ( unknown to me ) and I got no emails from Bank of America for my credit card balance because of a partial credit and a refund. When I called on XX/XX/XXXX, I was told this was all my fault that autopay didn't work or that I didn't receive any emails which I normally do, including getting one for XXXX. Bank of America 's online payment setup is cumbersome and poorly designed on purpose for these sorts of issues, and the lack of proper messages for autopay and payments seems to be on purpose so that they can collect interest and fees and then claim " it's not in the system, so it's not bank of america 's fault ''. 

FYI, this is only part of the system issues. BoA 's credit card payment does not show how much is left of the previous monthly statement to pay off for full amounts, and the account site often erases payment information. Even after diligently dealing with all of this over 9 years, it is the failed autopay and lack of messaging that caused me to miss a full payment on time.

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 2023-04-12
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This bank has double charged me {$270.00} back in XXXX. I filed a dispute with them, and they credited my account for that amount. Since then my account has been XXXX on 9 separate occasions. Thats a total of - {$2400.00}. I brought it to their attention, their response was that they only see one transaction for that amount, after I have provided documentation showing proof of their mistake. This bank only wants to make money off their consumers with providing little to no help at all!

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 2021-01-28
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/20 I've sent letters to the consumer agencies for violating the laws of 15 US 1681a, 15 US 1681n, and 1681o. I can not wait for another 30 to 45 for action to be taken during these times of financial strain during COVID 19. I and my family have been embarrassed and stressed about the damage that's been caused. Also, there was NO written form of communication, contact, a signature for these unauthorized inquires that I'm accused of. An unauthorized inquiry without a signature does not validate the inquiry. According to the FCRA, has violated my rights as a consumer and I'm requesting legal action to remove and delete these inquiries 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