BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2018-07-31
Company: Mercedes Benz Financial Services
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I spoke with a paralegal at XXXX, XXXX XXXX XXXX XXXX in reference to a debt that was reported by Mercedes Benz Financial institute. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX mercedes benz that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. Mercedes Financial refused to accept payment, and the vehicle was sold at auction. 

After selling the vehicle, I received a statement from Mercedes with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with mercedes clearly states the required payment amount due if in default. 

My complaint is that Mercedes Benz has turned this debt over to XXXX, XXXX XXXX XXXX but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. 

I spoke with XXXX XXXX at XXXX, XXXX XXXX XXXX but I have not been able to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We opened a chase business account on XX/XX/XXXX. 

Chase offers Mobile deposits which we used extensively. We deposited about 14 check on XX/XX/XXXX which they held funds for a period of time which is consistent with their terms. 

Shortly after making these deposits, chase restricted the account for the first time. I called the baker where I set it up in Florida and he unrestricted the account and apologized and said he put notes in the account. The consequence Of this first restriction is they returned one check for {$1000.00} and that employee incurred fees as a result. 

We then made one deposit of $ 50k on around XX/XX/XXXX. 

On XX/XX/XXXX the funds availability was about $ 10k and the $ 50K was being held for 14 days Then on XX/XX/XXXX we went to the branch in XXXX XXXX Mn to withdraw some funds via a cashiers check since we were out of the office. 

They said the entire account was frozen and restricted until the $ 50k check cleared on XXXX Or so. 

This was the second time in a month that this account was frozen and restricted. I offered to have them call the banker which they refused or To Do a three way call with treasury management which they also Refused in order To verify the {$50000.00} check which was being held. 

I said I was only withdrawing $ 2k which was available from the $ 10k that it showed was available on XX/XX/XXXX. 

The bank wanted my ID to verify me which they did but still restricted my access to the account and my available balance until XXXX when the {$50000.00} check cleared. 

I was out of town and stranded without access to my available balance which seem unreasonable by a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: HUNTINGTON NATIONAL BANK, THE
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am a senior citizen on Social Security income. I have a victim of Identity theft. I notified the identitytheft.gov. 

I can recall a few incidents that happened this fall. I am not sure which one was one that caused this identity theft. 1. This fall, I was playing games to win cash example- XXXX XXXX XXXX However, I did not get my payout as they promised, so I emailed XXXXXXXX XXXX XXXX They advised that XXXX XXXX XXXX needed more information. So I sent them the information. I tried contacting XXXX, but XXXX did not care. 2. In the fall, I was looking at a XXXX ad and thought it might be ok. So I tried with the card but decided against the purchase since I could not see the total. I never completed the transaction. I can't remember which product it was, but I never got a receipt or anything from it. 3. There was a data breach with one of my providers. It seemed like most of my accounts were affected. 

This has been a traumatic time for us. 

They have been leaving either empty messages or notifying other family and friends about this. We are on Social Security income and can not do anything. We contacted XXXX a nonprofit law firm for additional assistance. However, they have disregarded all communication about this from XXXX. We contacted them in XXXX and notified them to contact XXXX. but they have ignored that. XXXX has sent them a letter. Please see attached. I feel totally helpless at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: SYNCHRONY FINANCIAL
State: MA
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 had major Fraud, starting in XX/XX/XXXX. Somehow they got a hold of my XXXX ACCOUNT. Now when I look at my credit report I noticed all these inquiries that I did not apply for. 
XXXX. SYNCB/AMAZON on XX/XX/XXXX XXXX.PAYPAL on XXXX XXXX . XXXX on XX/XX/XXXX XXXX.SYNCB on XX/XX/XXXX XXXXSYNCB/LOWES on XX/XX/XXXX XXXX.SYNCB/AMAZON on XXXX, XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I also never had an address in 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 2022-07-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Credit report contains inaccurate addresses and personal information.

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 2021-11-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I bought a XXXX treadmill through XXXX XXXX which is TD Bank. I was to pay a fixed amount each month for XXXX  months. I did that and have my bank records to show that. TD Bank claims I was late XXXX time the continued to charge me late fees on top of late fees. I was never late. Now this is when COVID was causing problems with mail delivery. I don't know if that was the cause or not. 

The late fees are creating a credit reporting issue for me. I have never been late on a payment. EVER. I have tried several time to get TD Bank to correct this problem and all they say is to pay the {$340.00} in late fees. 

I need help fixing this. It is a scam. No interest for XXXX  months and they hit you with late fee. It is a scam, Payment history per my XXXX XXXX XXXX XXXX records : XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$210.00} final payment balance per TD bank statement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-02-23
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been filing complaints for 5 years on Experian for giving out my personal inform and credit report. I am frustrated. So I have been trying to call Experian. That is a waste of time and life. Experian is geared to maximize profit and do as little as possible. Experian did not have permissible permission to give my report to XXXX XXXX XXXX XXXX. But all Experian does is to pass the buck to XXXX who then claims duplicate complaint. So after 5 years of Experian unlawfully releasing my credit report without my permission, nothing never gets accomplished.

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 2023-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because of returned payments. I reviewed the account and found no evidence of any returned payments. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. 

Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: CA
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/2020, I received alerts from various credit monitoring services in regards to my report being accessed building inquires, I did not authorize and no one called me to obtain authorization as it states on my fraud alerts. I contacted, Experian, XXXX  and XXXX  customer service lines and none would help after, having the police report and FTC report mailed to them.

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 2018-01-29
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:
as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX XXXX  XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11XXXX XX/XX/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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX 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 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 2022-02-23
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:
PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
CHILD SUPPORT THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO XXXX AND TRANSUNION. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting

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 2023-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 in the early mornings someone that had stolen my phone transferred/XXXX  XXXX from my Bank of America accounts . Was done from XXXX different accounts. The same person also stole all my bitcoin money from my XXXXXXXX XXXX and ran up my credit cards that were inside my phone case. Bank of America refused to give the funds back. I filed a police report but have not had any luck with it being in the city of XXXX. Was told they have more important things to worry about. I would like to receive my Bank of America funds back that was not authorized by me using XXXX. I have the persons phone number that the funds were sent to. I believe I also know the persons name and address. After getting a new phone my XXXX had a different home address. Would also like this person to get in trouble. It took place at XXXXXXXX XXXX  and I have learned this is EXTREMELY common at this location since happening 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 explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX XXXX XXXX the consumer, sent XXXX, EQUIFAX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX EQUIFAX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: Experian Information Solutions Inc.
State: PA
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:
Experian reporting completely inaccurate information on a collection account. Out of nowhere a collection account showed up on my report on an account that was paid in full. All equipment was returned, and a XXXX  balance remained. Yet inexplicably the account showed up in collections and Experian has refused to rectify this ... even though I have shown them it is inaccurate. They also will not furnish me any proof or evidence that this account even exists.This information is costing me as far as my mortgage rate as well as my daughters student loan rates. It is doing substantial and puitive damges to me financially. The fact that they are allowed to get away with this behavior is abhorrent.

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 2023-06-27
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 submitted dispute with both Transunion and XXXX invoking section 609 through dispute with multiple debt collection companies requesting verification of debt and proof of wet signature from the original creditor. I never received confirmation of my request and no proof of information was ever provided or an explanation.

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 2022-02-06
Company: Credit Bureau Services Association
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am challenging CBSA to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement that I have with CBSA to prove this matter? CBSA 's failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement between CBSA and I that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. CBSA is the name on my consumer report. I want CBSA to be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? If so, Why is CBSA on the report? I demand CBSA to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). I have contacted you on multiple occasions, disputing this matter. CBSA 's failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation