BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-24
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2017-11-27
Company: Paypal Holdings, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
PayPal used my credit card to pay XXXX {$100.00}. I do not and have never used PayPal for this very reason. PayPal is little more than a ripoff. The following information was provided by PayPal via email. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX United States XXXX XXXX Transaction number XXXX XXXX XXXX, 2017 XXXX XXXX Payee XXXX which is a fraudulent address. 

Item # XXXX This is exactly why PayPal should be blocked from doing business in Georgia. I dont want my real name or address used due to PayPals abuse of peoples credit card info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Applied Data Finance, LLC
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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:
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 Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 explanation
Consumer complaint received 2017-01-20
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
no consent given or obtained by me for this debt, no contract signed

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 2022-05-24
Company: WASHINGTON FEDERAL BANK
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The below formal complaints are related to XXXX of Washington Federal Bank XXXX locate at the XXXX  XXXX branch, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, AZ XXXX ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Complaint # 1 - Releasing Unauthorized Financial Information without prior Consent On the XX/XX/2022 and XX/XX/2022 upon request of the sellers 's agent XXXX XXXX released our financial information without obtaining our prior consent as per the Arizona XXXX XXXX XXXX form Loan Status Update as described in section 37 below of the LSU form but importantly violating the Privacy Act and 6 U.S. Code 485 - Information sharing Complaint # 2 - Discrimination & Unfairly Treatment XXXX XXXX treatment and continued request of additional financial information has been very derogatory and discriminating to say the least. While we have more than over qualified for the loan on the basis of the financial requirements and required amount for the down payment ( nearly 2 times ) after showing our list of assets and bank statements, she and XXXX XXXX kept asking for detailed of outgoing transactions worth {$1000.00} with inquiring to explain what the payments were for instead of focusing on the account balance which shows more than enough funds required to cover the closing costs. In addition during the course of the loan application they have asked for numerous copies of our pay stubs. 

Complaint # 3 - Abusive and Threatening On XX/XX/2022, XXXX XXXX threatened to deny our loan application because I was asking too many questions as I was trying to better understand the requested information and respond appropriately and not just follow blindly their instructions. The same belligerent and abusive attitude toward us have been throughout the loan approval process. She called me on XX/XX/XXXX on my cell phone and in a threating and disrespectful tone to ask me to stop asking questions or risk having my loan application cancelled. 

Complaint # 4 - Lack of Disclosure information and Mis-representation When asked on XX/XX/2022 about clarifying question on the closing cost amount not reflecting the latest closing estimate she stated that the closing costs estimate she quoted in her email included six ( 6 ) months of reserve. However when reviewing the latest signed closing cost estimated none of such information was mentioned. Furthermore when we received the last final closing cost from the bank on XXXX and compared it with the subsequent closing statement from the title company it was completely different by {$850.00}. They omitted many key and important items. Again another mis-representation from XXXX XXXX and XXXX XXXX. 
This deceptive, wrongful and mis-representation was rampant during the loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Near the end of XX/XX/2016, my XXXX credit card was reissued by as a MasterCard by Barclays Bank Delaware. Prior to the conversion date I had reported suspected fraud to XXXX on a secondary card on my account, in the name of my sister XXXX. They immediately a issued a small credit, and were investigating the balance in question, {$2900.00}. XXXX was working on this when Barclays sent me a new card, and billing statement which INCLUDED the disputed amount with XXXX. I immediately started calling Barclays, and informed them that this amount was in dispute ; they promised to look into it. They did not call back, even after I sent a list of disputed amounts ; I subsequently called numerous times, every month, speaking with " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', and " XXXX ''. Each time I was told they would resolve it and call me back. That was in XXXX, and I am still waiting for a call back. In the meantime, they keeping billing me for the amount in question, and interest every month.

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 2022-05-24
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:
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 XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 explanation
Consumer complaint received 2015-03-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
In XX/XX/XXXX I visited my dentist office to take care of what I thought would be a quick simple procedure. By the time I left I was sold a GE Care Credit Card with a $ 6.5K limit and up sold dental services which, looking back now, were clearly not needed. Young and naive, I did n't know any better and certainly did n't understand the racket I would be subjected to years to come. This credit card charged-off around XX/XX/XXXX because I was unable to keep up with the terms and conditions of the agreement ( Truth in Lending ), which was not presented to me. The payments I made were primarily applied towards interest due to an already high rate, but also due to a " penalty '' rate for making a payment late. I recall one-time being told that it would go back to the lower rate ( the lower rate being 25 % + or so ) once I made XXXX on-time payments. It 's hard to negotiate with XXXX but I tried, but ultimately lost and stopped making payments because I refused to be subjected to their XXXX, threats, and abusive lending practices. 
This account has ruined my credit. I see now that this company was fined by the CFPB and ordered to pay restitution to its victims. Although I took the card in XX/XX/XXXX -before their 0 % debacle started in XXXX it 's clear that this company was NEVER operating under prudent and fair practices. The practices that they were fined for do not show up out of now where ; this company 's divisiveness and lack of transparency was embedded deep and was chronic behavior. I honestly do not know what rights I have as a consumer at this point but thought I would start here to see what assistance I may have in clearing this negative account from my credit report. I 'm happy to see that this company had to pay for their misdealings and hope that those misdealings result in the removal of this charged-off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
We have our account with Regions Bank for years. We purchased a property and on the closing day, we received instructions from the Title Company to do the wire. We went to Regions and did the wire to XXXX XXXX XXXX and came to find out, the email we received with the instructions was hacked. XXXX XXXX XXXX found that out and is holding our money for over 70 days. They do n't give us information, do n't talk to us and we were told that they only will give information to our bank, Regions. On the other side, our bank is not helping at all, they refuse to get higher level people involved, to help us, they are treating us with a lot of demeanor. I sent an email to XXXX XXXX and XXXX XXXX, who we were told are the regional manager and operation managers and they never replied the email. Our branch manager also sent an email to them and they do not respond. This is the worst demeanor a bank can do to a customer. We are supposed to have help when there is fraud involved and Regions is not cooperating at all. We went to an Attorney and were informed that only Regions can do something for us and all they are doing is NOTHING!!! Having a regional manager and operation manager like this, they should have some punishment for that!

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 2015-07-24
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Filed complaint in XXXX of 2015. original company told AFNI to stop collection. After checking my credit report they have continued collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Downloaded Venmo App, loaded 2 credit cards, XXXX XXXX XXXX. I have made NO payments nor has there been any activity on the Venmo account. Venmo sent me an email stating my account was frozen & I was in violation of the user agreement. Called the company & they would not disclose why. Emailed the company & have not received a response. Account is still frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MD
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:
Experian, XXXX and XXXX are reporting false information on my credit report. Addresses, accounts and names that aren't mine. One of the addresses was in XXXX and I've never lived in XXXX or visited the state. I've tried multiple times with each credit bureau to resolve the matter but nothing has happened. These companies are violating my rights and privacy to personal information 15 USC Section 604 A Section 2. These institutions are falsely reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX 's XXXX, Bankruptcy, XXXX XXXX, XXXX inquires XXXX This needs to be 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 2016-08-08
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received over 40 calls from Conn 's Furniture & Appliance Store. I have told XXXX different supervisors that right now I am only working part time due to storm damage at the facility I work at. The last time I spoke to a supervisor I told them I was hopefully getting/starting a new job within that same week. Since then, I have received numerous calls that I do have proof of ( pictures & phone logs ). I have spoken to associates calling me and told them to stop the calls. The calls start at XXXX and come in every hour or two. I am very displeased and would like to take this issue as high as it could go. This should not be happening especially after I 've told them my situation. I also want to mention, I have told them I will pay them what I can until I start a new job and have the means to catch up on bills. They are relentless. They have used different phone numbers but all with the same area code of ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MA
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 submitted my complaint, police report and identity theft report from the FTC XXXX Federal Trade Commission ). Today I'm submitting a new complaint specifically because I made an FTC ( Federal Trade Commission ) Identify Theft Report today XX/XX/2021. I've mailed a copy of the identity theft report to Equifax and XXXX today along with a copy of my passport and social security card. I had mailed a copy pf the police report last week so I figured I didnt need to re-upload it to this new complaint. I figured it would be efficient to also notify CPB ( Consumer Protection Bureau ) of my FTC Identify Theft Report. I've attached a copy of my Identity Theft Report to this complaint. There is an account called DEPT OF EDXXXX that is being reported under my name to the credit bureaus and the balance appears to be {$41000.00}. What makes this account very suspicious is that it is being reported as Pay as agreed even though I do not pay this account and I do not even know what it is. This account should be removed from my credit report because that isnt my loan. Also why is it being reported as pay as agreed If I dont pay that account or know what it is?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: Experian Information Solutions Inc.
State: MN
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:
COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX ID THEFT - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )

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 2022-05-24
Company: HW Holding, Inc
State: MN
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:
COMPLAINT RESPONSE- I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX ( This Collection Is Not My Account ) ID theft ACCOUNT NUMBER XXXX Date XXXX Balance {$32000.00} XXXX XXXX XXXX XXXX - This Collection Is Not My Account ACCOUNT NUMBER XXXX Balance {$4400.00} Date XX/XX/2021 ( SEE ATTACHMENTS - POLICE REPORT-ID THEFT- FRAUD ALERT )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: All State Credit Bureau, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The company listed as ALLSTATE CREDIT BUREAU INC has fraudulently did a hard inquiry on my credit report posing under the guise of being a credit reporting agency and they are in fact not. They also list themselves as a lender or bank which they are in fact not. I have reported this with XXXX as this is the only place I have seen don't do a hard inquiry so far however that is because on XXXX I have a temporary freeze on my account and on XXXX I'm going to place one as well. I am unable to freeze my account on XXXX because it charges a fee to do so. This company is out of XXXX XXXX Michigan I have attempted to contact them and nobody ever answers the phone number that they list. Further research online shows that they have done this to other people and it's fraudulent. I have no credit collections I have no outstanding bills and I do not know who this company is.

Company response to consumer: Closed with explanation