BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The money was sent by the payor, however it never posted to the account. 


All withdrawals had already been made and there was an even balance of {$8.00} at the end of business day on XX/XX/23. The balance is printed on a receipt from the customer service window. The deposit for XX/XX/23 never posted, and it was sent. When this happens the money is delayed, the thief is deciding rather or not they are going to allow the money to be put in the bank or not, and they are stealing whatever was supposed to go to the bank. 

This time it was {$38.00}. With my other bank account, it was much more before I could send a consumer complaint.

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 2023-08-15
Company: GATEWAY FIRST BANK
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Gateway mortgage left out taxes on my monthly payment to qualify me for a loan. This is the second time they have done this to me. I bought a home with them in XXXX and they left out school taxes and mudd taxes. I only found out months later after receiving notices my payment was going up and I was required to back pay. I recently bought a new home in XX/XX/XXXX and they did it again. I thought the first time was an accident but then it happened again. My new mortgage payment is now more than I am able to afford and I am being back charged for the amount they left out in closing. I would have not agreed to the mortgage if I had known the actual payment amount. This I believe was manipulation of my ability to pay to force qualify the loan. Considering they have done this twice is what leads me to believe this. They have since changed names and I can not get anyone willing to help. They sold my account before my first payment. That also seemed to have a purpose. They are leaving out taxes on payment for budgeting purposes. 

To add to recently submitted a complaint and was never contacted as the company responded and stated they did. I was never called, emailed, or even received a letter. Their recent response was untrue. I would like a response.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : MNCHILDSUP Account Number : XXXX Account Name : MN CHILD SUP Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  reporting immediately remove or block XXXX XXXX XXXX  reporting immediately on the credit reports all charges was done fraudently and illegally and XXXX  police report XXXX. They can cal XXXX for the financial fraud division.

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 2023-04-11
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:
I reached out to this company back in XX/XX/2022. And advise them to remove the inquiry.

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

Complaint:
XXXX XXXX XXXX  reporting negative reporting on my credit reports despite DC police XXXX. XXXX XXXX report that shows fraudently charges.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: GA
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:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this.

Also they have violated my rights even more.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions 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 2023-05-25
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX XXXX contacted my husband about my deck collection. My name is XXXX XXXX. They told my husband the amount of the debt and what I owe with interest and try to make a deal with him to pay a lesser amount. This is not my husbands debt. It was my credit card. they went against the law to talk to my husband about it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: EQUIFAX, 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:
On XX/XX/XXXX ( Saturday ) my husband and I applied for a Mortgage consideration securely through XXXX. This was in an authenticated experience. This application did not included a corporate number of XXXX. On XX/XX/XXXX ( Monday ) beginning at XXXX - XXXX I received 75 phone calls where people are claiming to be mortgage wholesalers and claiming that XXXX and XXXX/Equifax provided them with my information. They were calling on a number that was not disclosed on my mortgage application so I am unsure of where they would have received my information. These calls where borderline harassment as the sales representatives on these calls took strong attempts to keep me on the line. 

I called XXXX they assured me it was not their mistake. 
I spoke with XXXX, and they assured me it was not their mistake. 
I spoke with Equifax and their customer care team transferred me to the business solutions team as my credit bureau reflected that was the source of the pull. I requested to speak with a supervisor and was denied because I was a customer and did not have a business solutions number. I attempted to call XXXX again and get a supervisor and the agent told me there was not one available. Provided me a number to a supervisor who was not available. I asked to speak with one that was free and my call was disconnected. 

I feel like there is an issue with Equifax Business Solutions, and these 75 calls that were unsolicited to a number that was not used in my application with XXXX. As a consumer I am fearful of what other details these 75 organization or more received about me. These behaviors should be shut down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Begining 2022, I submitted on 3 different remittance coupons ( which is to Bank of America, they accepted the coupon and then took adverse actions against me for exercising my rights by closing the account and continued to bill me. A remittance coupon is a negotiable instrument. 
12 CFR 1026.13 - Billing error resolution. 
a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 
Violations ... 

( XXXX ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. 
I have uploaded evidence of my attempt to communicate and resolve this issue. 

15 U.S. Code 1693m - Civil liability ( a ) INDIVIDUAL OR CLASS ACTION FOR DAMAGES ; AMOUNT OF AWARD Except as otherwise provided by this section and section 1693h of this title, any person who fails to comply with any provision of this subchapter with respect to any consumer, except for an error resolved in accordance with section 1693f of this title, is liable to such consumer in an amount equal to the sum of ( 1 ) any actual damage sustained by such consumer as a result of such failure ; ( 2 ) ( A ) in the case of an individual action, an amount not less than {$100.00} nor greater than {$1000.00} ; 1. Cause me Stress 2. Closed my acct 3. Damaged to my credit file Question : Who has the actual, implied, or apparent authority to use consumers credit card or open-end credit pursuant to 15 US code 1602 ( l )

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-05-25
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I contacted Venmo customer service several times in XXXX, XXXX and XXXX to report to then that someone spoofed my number and got my email accounts and opened 2 Venmo accounts in my name from what I was told by Venmo. I dont think they ever shut these accounts down and I want to file a complaint and have the accounts shut down

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Based on online posting and Venmo 's Purchase Protection program guarantee, I made a purchase for US {$62.00} from a Venmo account associated with XXXX XXXX. The Venmo ID for the account is @ XXXX. However, the goods were not delivered. The contact number for the person is XXXX ( XXXX ) XXXX. The person initially communicated but ghosted after the amount was transferred and payment was confirmed. 

A dispute ticket was raised with Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently moved out of a rental property and was contacted by the rental company stating I owed them money for repairs and damage to the property. I gave them a copy of the original lease agreement with all the damage to the property prior to my move-in. The rental company was attempting to charge me for damage that the property already had and bogus charges such as the {$800.00} fee for them to remove dead grass. The rental company was responsible for all the grass and yard maintenance. My backyard and the neighboring backyard had the same grass damage. The rental company sent me notice if I did not pay for the damages they would double to price and I would be turned into a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

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. 

Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX UNI Account XXXX has violated my rights. Or list of inquiries 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 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 2023-05-25
Company: Nelnet, 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:
Through borrowers defense to repayment my balance was reduced to {$57000.00}. Nelnet hadn't updated my credit score since XX/XX/XXXX. On XX/XX/XXXX Nelnet updated my credit report dating back to XX/XX/XXXX saying I owe $ XXXX over 40 accounts due XX/XX/XXXX. This dropped my credit score by 31 points and has resulted in adverse actions being taken by other creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

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 2023-04-11
Company: Experian Information Solutions Inc.
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX I 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, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$8700.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-24
Company: General Motors Financial Company, 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:
I have Sent dozens of letters and maid hundreds of phone calls. ive sent multiple Letters to the creditor and they have not abided by what ive requested. 

They have also violated my CONSUMER LAW because they never gave me the option to OPT OUT from reporting this information to a third party! 

15 U.S. Code 6802b GM FINANCIAL account number - XXXX. 
Date opened : XX/XX/2016 via XXXX  Please DELETE ACCOUNT!

Company response to consumer: Closed with explanation