BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXXXXXX  T D bank employee had given access to my locker box # XXXX without my permission. All my savings and personal items was stolen. When I went to access on XX/XX/XXXX I see someone else signature. There was back and fourth investigation with my full coopertation. With so many requst from my side there was no answer from Bank. I contacted O C C. They did investigation and made bank GUILTY. I hired Attorney Paid so much money to solve issue although its not my fault. 

T D bank attorney Has never responded with any answer or reply untill now. I an XXXX XXXX XXXX. I been so upset & depressed.. Has been not able to work or communicate with any one in proper manor. 
If I get some help or direction I will really appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TEXAS CAPITAL BANCSHARES, INC.
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2023 enrolled in XXXX of XXXXXXXX XXXX XXXX XXXX XXXX XXXX  miles if maintain a {$50000.00} deposit in a XXXX XXXX  savings account. Completed this on XX/XX/2023. On XX/XX/2023, I was notified via web site my {$25000.00} deposit returned only XXXX XXXX XXXX 

Contacted first XXXX  employee excessive load background noice asked 4 times please tell people in call center to stop... I hung up. 

Called back XXXX time had to ask 8 times since head set gave out XXXX  nonie get the supervisor, XXXX, told get call back no information when or time. 

Called back again got another employee headset issues asked for supervisor told NONE available ... so Ia asked for them Manager of the supervisor told NONE available. 

XXXX XXXX told I would get XXXX XXXX XXXX which is given versus interest in XXXX XXXX but it showed up in XX/XX/2023 but no missing XXXX equal to {$250.00} when used on XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted the company ( credit collection services ) regarding a {$54.00} debt that has made a negative impact on my credit. i deicide to settle for {$21.00} for the first time the company claimed it was insufficient funds when they attempted to take funds from the account which was false the funds was available. i then tried a second time to settle again and now they stated i needed to make a payment for {$25.00} in which i did and this time funds was taken out my account both times. I asked for a letter and also a receipt and i was told it will be emailed to me once funds has cleared. funds has been cleared and i still have yet to get a notice to take the negative mark off my credit report and also the transaction. this negative mark is hindering my score so much which the negative mark and i asked for this to be verified in which i still have not received anything stating an itemized bill on how do i owe {$54.00} to XXXX XXXX XXXX XXXX. This company has caused me not to obtain a place to live for me and my children because of the negative mark on my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: JPMORGAN CHASE & CO.
State: GA
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:
On XX/XX/XXXX. I sent a payment if {$1300.00} to *XXXX  through XXXX  and they never gave me to goods or services. Services ( subleases apartment unit ). She quit responding to messages and calls. Ive tried several times to reach out to them with no response. XXXX was not able to process refund and seller did not repone. XXXX could not give me the account holders name so I could contact them another way. The number on her account is inactive XXXX and the email XXXX I tried stop payment or dispute through CHASE bank and they denied dispute and took the credit they gave me back for the transaction. This caused my account to be negative. I also reached out to apartment XXXX XXXX XXXX and they said no one lived there with that name and also sent a complaint to them and there was no correspondence through email. I also filed a police report, report to FBI, report to FTC and now here. The number she have comes up in XXXX app. No XXXX, XXXX or other payment service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In summary, due to the multitude of inaccuracies reported by these furnishers to XXXX, and due to the irreparable harm to me caused by these furnishers, I am demanding these accounts to be deleted from my credit report immediately. I previously disputed these accounts in XX/XX/ and the furnishes and/or XXXX added more inaccurate and negative information to my credit report, resulting in my inability to now purchase a home. This was not the case prior to them adding additional inaccuracies to my credit report. 

These egregious inaccuracies have caused me to be denied credit and the inability to obtain a conventional mortgage. Due to these inaccuracies, I have been unable to secure a home for my family. I can not fully express to your agency how these errors and inaccuracies have caused me emotional duress, stress and the inability to generate wealth for my family. 

The details and my requests are attached to this complaint as a word document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 {$0.00} 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 : {$0.00} 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 2023-12-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 all 3 credit bureaus was notified and another accounts and inquiries was added to my credit report that was not me. these accounts are my police report XXXXXXXX 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 explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-12-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: OneMain Finance Corporation
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have notified BOTH onemain AND XXXX  multiple times stating that this is NOT MY ACCOUNT and it still remains on my credit report. Both Onemain and XXXX are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. Please delete these items IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: SANTANDER HOLDINGS USA, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2023 said I owed money on loan an I never was aware of it. That it was paid an once I found out I still owed then they closed the account as paid. But on my credit report it's still says written off. Which needs to get removed it's hurting me to get a new loan. 
Loan company is called Santander XXXX XXXX tx XXXXXXXX XXXX was owed an I paid it. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Paypal Holdings, Inc
State: TX
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/23 I received this email : " Hello, XXXX XXXX XXXX PayPal Your PayPal account is currently limited - We recently asked you to take action on your account, and we haven't received a response. 
Why is your account limited? 
We noticed that you've been using your PayPal account in a questionable manner. To understand this better, we need more information from you. 
To help keep your account secure, please take action on your account. 
We've also temporarily limited certain features in your PayPal account. 
Currently, you won't be able to : Send money Withdraw money Based on this decision, if applicable, you are no longer eligible for PayPal XXXX XXXX as per our User Agreement. 
This will apply to all existing and future cases you receive. 
What should you do? 
Log in to your PayPal account and perform the required tasks. 
XXXX XXXX to PayPal What happens next? 
Once you've finished, we'll review and get back to you with the status of your account within XXXX business days. 
Thanks for taking care of this. 
PayPal '' On XXXX, I submitted all requested documentation, and I received this response. 

" Your information is being reviewed The information you submitted is currently being reviewed by PayPal. Once we complete our review, well get back to you regarding the status of your account in XXXX business days. 
Thank you for your patience. '' As of XX/XX/23 I had not heard anything from PayPal and my funds were still frozen. 


On XX/XX/23 at XXXX ( XXXX ) I contacted PayPal and was told " the system failed to move my account into the correct queue for review. The rep was moving at that time, and I would get a response in XXXX hrs. 

As of XX/XX/23 XXXX ( the time of this complaint ) I have had no response and my funds are still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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 2023-12-13
Company: General Motors Financial Company, Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I paid off a volunteered reposed car of over {$16000.00} with the GM Financial on a XXXX XXXX XXXX they would remove the charge off listed on my credit report. As of XX/XX/XXXX it has not changed. I contacted them in mid XXXX and asked for a correction with no change. When I couldnt afford the car I had them repossessed voluntarily I need a correction on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NC
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:
Under the XXXX XXXX ( XXXX ), specifically 15 U.S.C. 6802, I am asserting my unequivocal right to opt-out of the sharing of my nonpublic personal information with nonaffiliated third parties i.e Experian, as allowed by law. In addition to this opt-out demand, I instruct and demand that you take immediate action to remove any nonpublic personal information that may have already been disclosed to the said third parties. This includes, but is not limited to, any information shared since the inception of my relationship with your company. As a diligent consumer, I am concerned about the privacy and security of my personal information. This is not a matter to be taken lightly, and I trust that you understand the serious implications of noncompliance with this opt out demand notice. I demand the following accounts be removed from my Credit Report immediately. 

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 explanation
Consumer complaint received 2023-12-13
Company: SANTANDER HOLDINGS USA, INC.
State: ID
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Every year people from Santander bank call me threatening to sue me if I don't pay them over {$11000.00}. My ex-husband surrendered a van in XXXX  after our separation and then was garnished the remaining balance after the auction. They called today and said they are suing me and will be at my house tomorrow to serve me between the hours of XXXX and XXXX and I have to sign for it. This debt was paid in full 12 years ago. I'm scared and I don't know what to do or say to them. They want money now to settle outside of court. I tried to explain to them again today that there is no debt and I am not responsible for anything. He threatened me and hung up after saying that they are suing me. I get these calls every year. They knew my social security number, birthday and full name. I'm not sure if this is real or not. My x husband says to ignore it because they were paid and it was discharged and I don't have anything on my credit report about it. I would like to know if this is real or not and how to make it stop. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the negative payment history of 2 accounts being reported by County of XXXX XXXX. I have supplied proof of on time payment history over the past several years. The information provided is directly from the County of XXXX XXXX and shows payments being made on time, bi-weekly, without ever missing a payment. My dispute was not handled correctly as the lates were " Verified '' despite the obvious proof of on time payments. This erroneous, inaccurate, account needs to be removed from my credit file. Continued reporting of this account demonstrates wilful non-compliance, defamation of character, and violations of several laws under the FCRA. 

I have included the original disputes and also proof of payment history

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 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 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.

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