BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-28
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX, XXXX, I reached out to XXXX XXXX ( $ XXXX on CashApp ) to create an album cover for me. I expressed to him the time I needed it by, he told me the price, and said that it was no problem for him to get it to me by then, specifically within 2-3 days. I paid him on XX/XX/2022 via CashApp. Well he never met the deadline that I expressed ahead of time, and tried to send it to me the day of my album release. I requested my money back due to fraud on XX/XX/2022, but was denied. I wrote a letter to them on XX/XX/2022, but was still denied. This merchant committed fraud by not fulfilling his guarantee, and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Debt Reporting act XXXX # XXXX, has violated my rights. 
15 U.S.C.1681 Section 602 A. States that 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.

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 2022-06-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
THIS IS A MORE CLEAR VERSION OF THE LAST COMPLAIN COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Checking or savings account ISSUE Managing an account I have a HELOC account with Santander Bank and I can't access the it directly meaning I can't deposit in the account or withdraw from it electronically without having the money transfer to or from the checking account. When I transfer the funds from the HELOC to the checking account to use it for personal reasons, the monies show in my checking account immediately and the bank starts to charge interest right away. However when I do the opposite transfer funds from the checking to the HELOC account, the monies disappear and don't show up before one day. At the meantime I am being charged interest on the funds ar n't avaliblle in the HELOC account in case I want to use it. i.e. .... I am being charged interest on funds the bank puts a hold on it.

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 2022-09-28
Company: AVANTE
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I Have made XXXX calls to get information on debt after pulling credit report. Contacted debt collector listed in XXXX of XXXX and again in XX/XX/XXXX and provided my current address and phone number. 
I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. 

When I contacted again XXXX  to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. 

They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$870.00} but could be higher due to interest. When I explained that I was under the impression that my insurance covered these they very rudely stated it was not their problem and that I was responsible. I spoke to a XXXX XXXX XXXX  XX/XX/XXXX. 

I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX, myself and Avante USA. This is not the case. I have not signed any documents with Avante USA ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: ALLY FINANCIAL INC.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Im XXXX XXXX and am declaring that i am a first-hand witness to the facts of this offence. 

Im aware that Ally Bank/ Ally Financial continues to violate me and my consumer rights and protections provided by the federal government.

Ally Bank/ Ally Financial is responsible for having my vehicle illegally repossessed without any type of writ, warrant, or other type of judgment or order against me.

Ally Bank/ Ally Financial is using coercive tactics in order to obtain payment when again the alleged debt has never been verified under the penalties of perjury.

Ally financial/ Ally Bank has envoked the Fair Debt Collections Practices Act and is accusing me of owing an alleged debt that has never been verified under the penalties of perjury and by and through their actions is resulting in substantial harm against me.

Ally Bank/ Ally Financial actions has also resulted in gross negligence due to this company repeatedly sharing my personal and private information invoking the XXXX XXXX baily act and and the privacy act of 1974 and never having my direct consent to do so. these actions are harming me substantially. 

Ally Bank/ Ally Financial has severely ruined my reputation by reporting my personal and private information to private entities namely Credit Reporting Agencies and never gave me proper disclosures before furnishing my private information Ally Bank/ Ally Financial has committed and continues to commit several crimes under title 18 including but not limited to bankruptcy fraud, false claims under the bankruptcy code, extortion, aggravated identity theft, theft, mail fraud, conversion, embezzlement among other crimes. 

Ally Bank/ Ally Financial is BREAKING THE LAW

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 2022-12-12
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX LVNV FUNDING LLC was sent by certified mail, a validation/ verification letter about account in question # XXXX reference ID # XXXX. 
In response I received ONLY monthly bill statements, which does not validate or verify the debt! LVNV FUNDING LLC is purposely ignoring the requested information sent to them ( SEE ATTACH ), via certified mail. ALL information is my right as a consumer to recover according to FDCPA XXXX XXXX XXXX XXXX XXXX has never been issued as addresses in requested via certified mail, NOR HAS ATTEMPTS TO COLLECT DEBT CEASED, which is another violation of my rights until information requested is received in its entirety all attempts must be inactive. 

On XX/XX/2022, LVNV FUNDING LLC, sent me a letter stating verification of debt ( See attach ), with a monthly billing statements, AGAIN, ignoring the stated request for verification sent via certified letter. ( see attached ) Nothing indicating verification validation or judgment alleging debt is On

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Medical Data Systems has not validated the debt and the debt does not belong to me. Medical Date Systems is in violation of the Federal Debt Collections Act pursuant to 15 U.S. Code 1692b - Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; Medical Data Systems please Cease and Desist pursuant to Federal Debt Collections Act 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Immediately remove the collection account from my credit report. Medical Data Systems has not validated the debt and the debt does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Freedom Mortgage Company
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:
Improper use of 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 2022-09-28
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 am filing a complaint against XXXX and TransUnion credit agency for not allowing me as a consumer to dispute unauthorized inquiries that are on my credit report. Both bureaus told me to file a police report with the police department, I did and call back they still would not accept nor allow me to file a dispute. It is my understanding that anything inaccurate on your credit report you have the right to dispute. 
You go to one dealer to purchase a car next thing you know you have multiple inquiries, if you have only authorized one and have 2,3 ,4, and more that is unauthorized if you did not give permission or had no knowledge the same thing with mortgage. Please help me in getting this resolved.

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 2022-08-01
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:
I have tried to call companies several times to which they have transferred me several times and they finally hang up on me. Here is the list of inquiries : Transunion : XXXX XXXX, XXXX XXXX XXXX, 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 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: NY
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 XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-01
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of ID theft and my identity was compromised, I filed a police report with XXXX XXXX division and they have an ongoing investigation for my wallet being stolen along with my luggage, my passport and ss card and I had to get a new passport issued in AZ through the bureau of consular affairs which should be on record along with a new ss card. 
I recently filed a new police report for the fraudulent accounts which I will attach to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is reporting that all payments have been delinquent for the year 2022. 
I have paid on time ( automatic payments from XX/XX/2022 to current.

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 2022-06-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it 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 2022-11-11
Company: P&B Capital Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
P & B CAPITAL GROUP LLXXXX is reporting debt to XXXX of {$2500.00}. It says account was opened XX/XX/2022, which means they should have sent a letter to a current and accurate address, but I never received a single letter from this company. I don't have any credit accounts or loans for {$2500.00} and I was never given 30 days to dispute the debt. I have know idea who this company is. If this account if it's not removed from XXXX, I will file a suit and use there response to this dispute against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, 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:
I was looking to get a quote for a vehicle and had one lender in mind. the car dealership ran my social way more than i asked or expected and hit my report with several hard inquires. I did not authorize or know that this had happened until I got home and seen my report. 

They also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

These are the inquires that I did not authorize or know anything about : Equifax : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/XXXX thru XX/XX/XXXX tried to use atm card from my new money market savings every time it said error has occurred contact financial institution I tried it 2 times and called bank they said no problem with account try again I did but still no money disbursed I called bank after I saw bank statement they made provisional credit but XX/XX/XXXX got XXXX letters saying XXXX our investigation determined a error has occurred and claim has been resolved.The provisional credit made final.Other XXXX said no error occurred. The documentation verified that you authorized the transaction. We will debut on fifth business day after letter which came XXXX deducted XXXX same thing happened I did not receive any money. It also happened XX/XX/XXXX for {$900.00} and XX/XX/XXXX XXXX XXXX for another {$1500.00} have not received any these please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i ahve 4 previuos employer listings that are wrong and need to be deleted and 2 prviuos addresses that are not mine and unauthorized inquiries that need to be deleted. Several accounts that do not belong to me and some marked late that is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: FBC MORTGAGE, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
My XXXX score went from XXXX to XXXX in XXXX months. This caused my alarm. Further research and a company named FBC Mortgage did a hard inquiry on my credit. I did not authorize this. 

First address from XXXX : XXXX XXXX XXXX XXXX FL XXXX Left a message with their legal and received no response : XXXX XXXX Next hard inquiry was for FBC Mortgage from XXXX Certified Credit XXXX Cabot Rs # XXXX XXXX XXXX CA XXXX No phone number available

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with inquiries I did not authorize

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 2022-09-23
Company: EQUIFAX, INC.
State: PA
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:
The companies listed below are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile. I have not initiated any transaction with the companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with the companies listed below for review or collection. 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 XXXXXXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2022 my account was inaccessible when I attempted to use my debit card. In looking at my mobile app it said my account was suspended. I never received a letter, an email or a phone call stating why this occurred. I called in and was told my account was under investigation for a check I deposited on a closed account. This was a check for a class action suit .. how was I to know it was closed. It was a check for less than XXXX. This consideration to close my account went on for XXXX MONTHS!! During that time I had no access to my funds, my direct deposits and could not pay my rent or bills. I CALLED HSBC OVER XXXX times and never once received anything in writing or my funds until I filed with the FDIC. I LOST EVERYTHING IN THOSE XXXX mos!!

Company response to consumer: Closed with explanation