BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Sometime over a decade ago I co opened a bank account with my younger brother thru M & T Bank. He was the primary and he had the only debit card/checks, I never used this account. Apparently in 2017 the acct was closed sometime prior to that there was over draft charges of {$240.00} and change. My brother still has a separate active M & T account that he uses. Fast forward to XXXX weeks ago, I run a speech therapy clinic and needed to be added onto the business bank acct thru M & T, I was flagged that I could not be added due to this past due balance for a account I never used. I was never notified of the acct closure, of the past due balance, or any issue with the acct via mail, email, or phone. When I questioned the bank they could not provide me with any information reg the charges, the date of charges, and if they attempted to notify me or how. They also could not provide me information as to why my brother 's active acct was not charged for this outstanding balanced. Further more this is not on my credit report ANYWHERE so until I attempted to open a new bank acct for my business I would never have known this existed, which is infuriating. This could have affected me getting a mortage in a year or two or opening any additional savings or checking accts with my husband etc. I had to pay this balance WHICH WAS NOT MINE because No one would help me or even give me accurate detailed information. This is unacceptable. There should have been a direct commmunication attempt and if they are claiming I am responsible for this debt I should be able to have access to what this debt is actually for and the dates of origin etc.

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, XXXX and XXXX XXXX : acc : XXXX XXXX XXXX acc # : XXXX acc : XXXX XXXX XXXX XXXX acc # : XXXX I am contacting you because I have found some information that is inaccurate on my credit report. 

I dont believe these accounts were ever paid late as it is reported. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : acc : XXXX XXXX XXXX acc # : XXXX acc : XXXX XXXX XXXX XXXX  acc # : XXXX After doing so please provide me with an updated credit report reflecting the changes. 


Thank you for your time, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I open a claim withBANK of AMERICA regarding a fraudulent transation. 

Complaint Number XXXX PLEASE updated my phone number as I have a wrong number on claim Number XXXX. My phone number is 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 2023-06-28
Company: Southwest Credit Systems, L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In checking my credit report, I noticed an improper entry from Southwest Credit System, XXXX XXXX XXXX, XXXX, TX XXXX. Allegedly relating an delinquent XXXX account. 

I do not have any delinquent accounts with Southwest Credit System or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: SYNCHRONY FINANCIAL
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 PURCHASED 2 EARINGS FROM JCPENNY. RETURNED 1 TO STORE THE OTHER 1 WAS NEVER RECEIVED. i NOTIFIED JCPENNY. I WAS TOLD TO FILE A POLICE REPORT AND SEND TO THEM. I DID BOTH. NO RESOLVE. AFFFTER MONTHS JCPENNY HAS DOUBLED THE AMOUNT OF 1 EARING TO 2. Y CREDIT SCORES AT THE CREDIT BUREAUS HAS DECREASED OVER 170. POINTS. THEY HAVE RUINED MY GOOD CREDIT RATINGS. I HAVE NNOTIFIED THEM MY EMAIL MANNY TIMES AND HAVE WRITTEN TO THEM WITH PROOF. STILL HAVE NOT RECIEVED ANY NOTIFFICATION ONLY BILLING INCREASING THE AMOUNT.

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 2022-11-27
Company: Continental Finance Company, LLC
State: IN
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:
Had been make at least the minimum {$35.00} since opening the account and I was told the company closed my account due to to many returned payments

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 2022-10-04
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 is missing that should be on the report

Complaint:
As a result of the documents I have obtained, it is my belief the Credit Bureaus have not been reporting many of my accounts as they have been reported by the furnishers in a timely manner and they have been providing creditors a different report than they provide for me. It is my strong belief the Credit Bureaus have conspired against me in retaliation for previous lawsuits I have prevailed on against them and many more complaints I have filed, with their goal to cause me harm by keeping my credit score lower. 
Maybe I am crazy, huh? Well we will see! 
At present I have collected over 14 months of evidence to support my claim including the monthly XXXX XXXX XXXX use to report consumer accounts to the Credit Bureaus. 
I believe the CEOs and/or other executives are aware of this practice and approve of it as I have directly emailed executives of Experian, XXXX and XXXX so that they CAN NOT make a Plausible Deniability claim. I firmly believe, as do 94 % of All Americans, that Executives MUST be held accountable and the action taken against them MUST act as a deterrent. Doing so will prevent harm to 100s of millions of Americans and improve Corporate behavior which benefits all of America. 
With every complaint I make, Experian, XXXX XXXX XXXX all claim they report information when reported and as reported by the furnishers. Therefore, I must have copies of the AUDs from the furnishers and in this case XXXX XXXX. Otherwise I will be forced to include each furnisher in my imminent civil claim. If XXXX XXXX refuses to provide this information, which they have a legal obligation to provide I will file under the FOIA and then subpoena them. 
XXXX XXXX requesting XXXX XXXX to please provide to me a copy of the XXXX they forwarded to all three credit Bureaus for the months of XX/XX/2022, XX/XX/2022 & XX/XX/2022. 
( XXXX XXXX XXXX., or XXXX, means an automated, online form that Data Furnishers use to transmit interim maintenance requests to update or delete previously reported accounts. An XXXX is used by Data Furnishers who send it using e-OSCAR to all of the credit bureaus. ) If XXXX XXXX did not provide the Credit Bureaus with updated information for my account during those months, I am asking why not and what is their reporting policy. 
When account are not updated timely this has a negative effect on my credit score by the following : I do not get credit for recent monthly payments Account does not provide an accurate current balance I am robbed of the month 's payment history which if paid on time increases my credit score.

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 2023-07-07
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update these accounts 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 2023-04-19
Company: Radius Global Solutions LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This complaint is against debt collection agency Radius Global Solutions for Fair Debt Collection Practices Act violations as it relates to initial written communication.

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 2023-05-24
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase bank closed all 7 of my accts after I did a wire transfer left me stranded in another state and none of my ATM or credit cards would work. Ruinlned my spring break vacation no notification they where closing my accts closed them XX/XX/XXXX after I left the branch from doing a wire for $ XXXX I then drove from Ohio to Alabama no cards would work totally demoralizing me the mailed a letter 3 weeks later to tell me they where closing my accts when I went to branch they would not give me my money out of my acct said it wouod be mailed 7-10 buisness days blocking me from my own money no way to get my money then called police had me arrested for no reason lady by the name of XXXX manager over XXXX XXXX XXXX XXXX OH XXXX. Told police I was trespassing refuse to talk to me about anything took 3 weeks to have my money mailed to me far more than 7-10 buisness days also closed my business accts witch caused payroll and benifits problems. I have banked with chase for 32 yrs was considered a private client for keeping a high balance had 1 saving acct 2 checking accts 4 credit cards that where all 27plus years never late never bounced a check never had a problem till I wanted to wire larger amount to buy a truck out of my personal savings causing them to close every acct I had disrupting my buissness and personal life calling cops impoundment my truck and taking me to jail and could not get to my iwn money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received an emailed showing that someone was approved account for a XXXX  XXXX XXXX, that was processed online with my discuss security number and an address I had while I was a military spouse over XXXX yrs ago. It was with my old last name as well

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 2023-05-24
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I complained recently about them taking XXXX $ I did not authorize but upon checking my account I noticed more funds charged to which I never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: MO
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX- XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX- XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: EQUIFAX, 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:
Dear CFCB Previous CFCB complaint id # XXXX has been solved. On XX/XX/2023 after I uploaded my court orders into the XXXX system Equifax corrected the problem on that issue. 

However, XXXX, there is a new issue that Equifax refuses to correct. I am unable to create an XXXX account. 

My account come up as a no hit meaning my file can not be located or seen. 

The reason I am approaching this issue with the XXXX, is because Equifax has refused to fix the issue. 

I called into equifax 2 days ago ; and the Equifax agent XXXX XXXX asked me to resend my court orders again. XXXX XXXX XXXX said he will call me back inside if 24 hours. XXXX XXXX never called back. 

XXXX, I will be loading documents on this platform for Equifax to view. 

I ask the Equifax remove the blue tag from my file and allow me to see my file using XXXX Everytime I call into Equifax, they ask me for the same exact documents everytime. It appears their departments are not communicating with one another properly. 

As my file is coming up as no hit across all platforms It is impairing my ability to be validated on other platforms such as XXXX and has impacted me severely in many aspects. 

XXXX, I would like to have access to my file on XXXX enclosed are documents necessary to validate me. please see attachments and ask Equifax to lift all restrictions on my account. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: American Credit Acceptance, LLC
State: NC
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 fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
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, XXXX XXXX XXXX ( Original Creditor Mt XXXX XXXX CA ) - Account # : XXXX have 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 2023-06-28
Company: EQUIFAX, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022 & XXXX Date of Inquiry XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed away XX/XX/2021 The mortgage was in his name and the payments were on the hero 's act, so no payments were being made. 

When he passed I was named the successor, Sent the bank the documents from probate, they refused them ( Confusing even the probate Judges and staff ) they opened 12 cases and kept closing them ( stall tactics ) NOW I am in loss mitigation and the foreclosure is suspended meanwhile they are actively having their Attorney move forward with the foreclosure in Superior court ( DOCKET NO : XXXX ) they are doing what is known as Dual tracking and it is not only prohibited by the CFPB it is also illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation