BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-21
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:
XXXX, TRANSUNION, and XXXX  XXXX  XXXX  are violating my rights under the FDCPA, FCRA, and as a consumer. They have failed to verify and validate information before placing fraudulent information on my consumer report. This is defamation of my character as they are saying I owe an alleged debt that is not mines.This alleged debt is a violation of 15 USC 1692g as well as 15 USC 1692j, I demand to see a contract with my signature and the fraudulent debt collector in mention along with a copy of the judgment made against me that validated this alleged debt. This alleged debt is also a violation of 15 USC 1692f as there was never an agreement between myself and the fraudulent debt collector attempting to collect an alleged debt.I have no contract and/or agreement with XXXXXXXX XXXX XXXX, they are acting as a third party attempting to collect a fraudulent debt. They have not provided me with any documentation that contains my signature authorizing any agreement or contract between us. They have not provided any judgements made or any original notes .This is directly impacting my life as I have been denied for credit because of 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 non-monetary relief
Consumer complaint received 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CFPB is full of complaints about XXXX. On information and belief, XXXX entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resolved with XXXX. I recently was contacted by the XXXX CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four 1099 's  from XXXX, Cancelling Debt. The issue of a 1099 to the IRS acknowledges XXXX has abandoned all claim to the alleged debt. I previously disputed the debt and provided XXXX verifiable evidence that the debt was based on fraud and not my obligation. I provided XXXX all the law enforcement reports associated with the fraud that I had obtained. XXXX ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, XXXX overcharged me for late fees etc. 
XXXX was caught by CFPB and was required to issue refunds. However, XXXX continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] 1099 's to me and provided the same to the IRS. After XXXX issued the 1099 's, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, XXXX continues to report Past Due amounts on the four credit cards and is attempting to collect.

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 2022-10-18
Company: Experian Information Solutions 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 The Creditor : 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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have an Unauthorized inquiry on my Transunion credit profile. I submitted FTC report and all necessary identification and it is still on my credit report. the Unauthorized inquiry is from 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 2020-09-19
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened a checking and savings account with Citibank back in XXXX. As of XXXX, I didn't need the accounts anymore. 

XX/XX/2020 : The transfers to get my accounts down to a {$0.00} posted to my accounts. I started a chat session through the app requesting a closure of both accounts. The agent told me the accounts would be closed and I'd get a confirmation. 

XX/XX/2020 : When I never got the confirmation, I logged back in to check on the accounts. I could still see both accounts. The checking account said it had been closed, but the savings appeared to be open. I started another chat and the agent told me they submitted another request for the savings account to be closed. 

XX/XX/2020 : Same thing happened, I never got the closure confirmation, I checked, and the account was still open. I requested a closure, the representative told me I'd get the letter in 24 hours. 

XX/XX/2020 : When I still didn't receive confirmation, I called the customer service line. The representative said she would close the account, and that I'd get confirmation and lose access to online banking. 

XX/XX/2020 : I tried logging in to see if I'd lost access and could still log in. I called again. They said they submitted a request for the account to be closed. This representative said that sometimes accounts don't close because of interest paid to the customer being posted to the account. Since I had a {$0.00} balance they said my accounts should definitely close by Monday ( XX/XX/2020 ) and I'd get a letter in the mail no later than XX/XX/2020. 

XX/XX/2020 : I got a notification from the Citibank mobile app that {$0.00} posted to my account on XX/XX/2020. 

I have completely lost faith that these closure requests will do anything and I am concerned I'll be charged fees for my account being open for this long without maintaining the minimum balance to avoid fees.

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 2020-09-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I've used Pay Pal to pay for products / services ... They NEVER honor my request for a return of funds when products / services are not delivered. They ALWAYS side with dishonorable companies and force one to go to their personal bank to resolve .. PLEASE look into this, I thought they had to have insurance for this sort of FRAUD but they NEVER regardless of amount or incident return your money. I have things not show up, not be delivered and every time I try to resolve they either ignore the request or side unreasonably with the fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
State: NE
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am receiving bills for an account that I do not have and for purchases that I have not made : Synchrony Bank XXXX. XXXX XXXX XXXX, Fl XXXX. 
XXXX I am receiving bills in the amount of {$4400.00} with an account ending in XXXX. I do not have an account with PayPal or Synchrony Bank. I have not made any purchases. I believe this to be fraudulent. The phone contact wants my Social Security number. I refuse to give them any information. 

Please investigate.

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 2023-04-20
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My fianc is traveling for work and sent me money ( 5 transactions ) in the last week for household and miscellaneous expenses. PayPal flagged the transactions. He provided an explanation on his account. They suspended my account for " suspicious activity ''. I called and spoke to their representative to clarify the matter. I explained what the money is for and they stated it would take 5 days to review. I stated that is unacceptable. They requested I provide a picture id and a bank statement and explanation of every transaction. I already provided the explanation for the transactions by phone. I stated I don't feel comfortable submitting my picture id as they already have my social security number ( additionally they are refusing to state why the account is suspended, but are requesting very personal and sensitive information ). I stated this is not a business account and I should not have to provide my bank statements to receive money for a personal transaction. I requested my account to be closed and they are refusing to do so because my account is " permanently suspended ''. They will not provide a reason for the permanent suspension. They will only communicate through their message system which doesn't allow me to send their communication or take a screenshot as proof of their reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX filed fraud/unauthorized charge report w chase customer service. Chase granted provisional credit. 

XX/XX/XXXX : chase refused to grant refund saying essentially you snooze you lose. And take a hike. None of our concern that you were a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: LL Capital Partners II, L.P.
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 is missing that should be on the report

Complaint:
The Strike Acceptance bank to which I make my monthly payments for my car since XX/XX/2019, has not reported such payments to the XXXX, XXXX  and XXXX Credit Bureaus. For this reason I am unable to buy a new car, because dealers need to see this information in the aforementioned bureaus. I would appreciate it if you could help me correct this problem that affects me a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit reports were run and I never authorized nor provided my social security number to these sources. Someone has my social security without my permission. I only went to XXXX XXXX. Only was run or permitted for that source. Someone has run my credit 4 times after that completely against my permission.

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 2018-05-02
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a loan modification the first time last year on XX/XX/XXXX, we got approved on XX/XX/XXXX and complied with the 3 month trial payment starting on XX/XX/XXXX of the amount of {$2100.00} and so on follows the months of XX/XX/XXXX and XX/XX/XXXX. And after XX/XX/XXXX payment they declined us because of Deed was not on our names. But I spoke to a representative informing me that we still had until XX/XX/XXXX to transferred back the Deed back in to our names. But once M & T Bank received our last payment of  XX/XX/XXXX modified payment which we mailed in our check before XX/XX/XXXX and thats when M & T Bank informed us that we were declined due to the deed not being in our names but again they never informed us that once XX/XX/XXXX payment was received by them that it was an automatic decline. At that point we had the deed transferred back into our names and were told that we had to start the loan modification process again. Now we were informed today on XX/XX/XXXX, that we were declined again now because they couldnt support the modification because of the lengthy time which had nothing to do with us. We had all the paperwork completed and turned in a timely manner. 

Thank you, 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 2017-05-02
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received letter from allied interstate on  X/XX/17    for debt of $  XXXX  I  've disputed this debt several years ago.Did n't receive any response until the above referenced date.Never heard of    XXXX   XXXX    or  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 2017-12-18
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:
I tried to lease a vehicle at my local XXXX dealership. I specifically told them that I wanted to run my credit with XXXX XXXX and no one else. A month or so later I find that XXXX XXXX shows as an inquiry that I did n't authorize. I spoke with XXXX, no answer. I spoke with XXXX XXXXXXXX XXXX XXXX and was told to submit a letter. I got a respond from XXXX XXXX stating that I did authorize, but I was n't provided the original application or proof of authorization.

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 2020-12-06
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Santander owes me a {$220.00} bonus as of XX/XX/XXXX : Here 's the ad : https : //www.santanderbank.com/us/pages/personal/checking-accounts-acq? XXXX & utm_medium=XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX & XXXX Here are the steps to get the bonus, per the ad : 1 ) Open a new and eligible checking account by XX/XX/XXXX using the unique promotion code shown on this page after you provide your name and email address. 
- I opened my account on XX/XX/XXXX 2 ) Have direct deposits totaling {$1000.00} or more post to the account within the first 90 days, starting the first business day after opening the account. 
- I had a direct deposit of {$1100.00} on XX/XX/XXXX 3 ) Keep your account open for at least 90 days and open at the time of the payment. 
- 90 days from my account opening is XX/XX/XXXX 4 ) Get paid! Once you have met these conditions, and your account has been open for 90 days, your {$220.00} bonus will be paid within 30 days. 
- 30 days after that is XX/XX/XXXX I phoned Santander a few days ago and they created inquiry # XXXX but they never solved the problem.

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 2022-09-17
Company: KEYCORP
State: NY
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:
I contacted Key Bank today regarding three charges attached to my debit card that I didn't authorize or charge. This is the second time that this has happened. The bank is imposing on me a 90 " investigation '' period knowing this just happened to me the first time back in XXXX. Their fraud department is telling me that again they need 90 days to investigate the current three charges to my account which I clearly didn't make since I live in upstate New York and the charges were made yesterday in Florida and Texas. I chose to stay with this same bank after the first hack happened as I have been with them for 30 years with my XXXX XXXX I decision that I am now living to regret.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. I do not owe this debt nor the account. I am requesting a permanent block on the accounts asap XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : 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 2022-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have submitted a dispute to this company and have failed to receive my desired results. Please see my attached documents and have the company remove all unauthorized items immediately. In the attached documents I have provided and stated all information necessary to have these items removed from my consumer report. These companies shall provide me with substantial documentation on how they made their decision if accounts are not removed promptly. They have to prove one, I gave them permission to furnish and two, I was clearly giving an opportunity to opt out of reporting in which the law allows if not public information is being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I am currently sharing a USAA checking account ( member # XXXX ) with my ex fianc and he was got involved in a scam involving fake check deposits, which left my account with a large negative balance. All funds left by XXXX and debit card transaction. My fraud claim was denied, which is in violation of Regulation E, specifically guidance related to scams from XX/XX/2021.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX I want the above account removed from my TransUnion Credit Report . I do not owe any money. This account DOES NOT belong to be me and I want this account removed ASAP.

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 2021-01-29
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: Account information incorrect

Complaint:
XXXX  XXXX XXXX Balance : {$1100.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX  XXXX XXXX Balance : {$1400.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.

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