BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the XXXX Credit Bureaus about inaccurate information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX BankruptcyXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$0.00} XXXX  XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXXXXXX XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}

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 2017-10-16
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
2 calls today to my work office line. I do not know exactly which of my work phone numbers they dialed. One of the calls was answered by one of my coworkers. This is horrible. I do not know what debt they are calling about. I do not want them calling my company to find me. Calling my work is unprofessional and appalling. 

The phone numbers that called are the following XXXX XXXX A XXXX  search points to the following website XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: NJ
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 filed a complaint against Equifax on XX/XX/XXXX I received a response from the company on XX/XX/XXXX which is in total violation of my rights. Equifax stated they verified the following inquires : XXXX XXXX date XX/XX/XXXX, XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 1. Equifax did not provide me proof in writing how the inquires were verified. 2. I did not give Equifax written consent to furnish any thing on my consumer report. 
Equifax has violated my rights according to the 15 USC 1681 section 602A which states I have the right to privacy. 
15 USC 1681 Section 604 ( 2 ) a consumer reporting agency can not furnish any accounts on my consumer report without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2017-04-20
Company: SUNTRUST BANKS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit card company , SunTrust, aut horized transactions that took my account over its credit limit, despite my never having authorized them to do so. ( In all my previous experiences with other cards, on the rare occasion an over-the-limit transaction was attempted, the transaction was simply denied and I used an alternate form of payment ). Consequently, my balance went over the limit for a couple of days be fore one of m y regular payments arrived. During this time,  SunTrust ding ed my credit report, flagging my account as having been over the credit limit. I am unsure if this is illegal ( though I  hope i t is ), but at minimum I find it deeply upsetting that a company with whom I have done business in good faith and always paid my bills promptly would authorize transactions taking my account over its credit limit, despite my never having agreed to this, and then immediately reporting negative information that will likely damage my credit rating.

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 2022-09-02
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/22, I visited the M & T Bank on XXXX XXXX XXXX XXXX XXXX, in XXXX Maryland XXXX The teller requested I verbally confirm my social security number to which I responded I was not comfortable doing in a public lobby and then instead I asked for a piece of paper to write it on. 
After my transactions were completed, the teller proceeded to place the piece of paper with my personal information that included my name, address, account, and social security number on a pile on his desk. I immediately identified that to be a security concern and asked for it to be shredded. He said he was unable to do so. I asked if he could at the very least cross out my social security number so that it is not just sitting on a desk where anyone could easily access it. He informed me that the documents will be shredded after 90days of sitting on his desk. 
As I proceeded to inform him about my concerns and as he continued to justify his actions, the branch manager immediately and rudely interrupts our conversation to inform me that and I quote the bottom line is, this is the banks policy, you can take it or leave it and then proceed to ask me to leave now The very next day on XX/XX/22, I closed out all my accounts at M & T Bank as I will not do business with any company or organization or business that does not value me and my business or appreciate my concerns. Additionally, it is very irresponsible and careless for any business to expose a customer 's personal information in this manner leaving them vulnerable to data fraud and identity theft that could cause severe damages to me. 
I am requesting M & T Bank issue a formal apology for how badly I was treated. Additionally, they should reform their policies, processes and procedures for the safety and security of all customers. M & T Bank is responsible for ensuring this at the very least and owe this obligation to customers.

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 2021-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for the Capital One secured card. Last XXXX I was approved for access to the account through my ITIN number. The company sends a welcome letter to the address that I have personally. But then when sending the card they change the address in one letter and it is no longer possible to receive it. I request a resend of the approved card but it can not be done because the company requests documentation that I do not have because I am a foreigner. They ask me for an American telephone number to send a code but I do not have that possibility, the company does not send verification codes by email due to their policy. Also on my own I request a local number, but it does not work in the Capital One company system either. I traveled twice to XXXX  to a Capital One cafe and even in that way it could not be achieved due to the strict and antiquated verification systems. requested by the company. Until today, almost a year I can no longer use my approved card to build credit in this great country because of Capital One 's own system. I don't understand how the first time they sent me the welcome letter correctly and the next time the card never arrived but because of the company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT. I'M REPORTING THIS TO THE ATTORNEY GENERAL AND MY ATTORNEY AS THIS IS MY 4TH REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2019 I opened a Best Buy Citi card and was granted a {$4000.00} credit limit. Later I contacted the company in order to request a credit increase as I wanted to purchase a couple of televisions and use the 24 month free financing promotion. During the call to request a credit increase, I provided my mobile phone number which has been registered in my name for a couple of years. This number was the same number used as verification for account initiation earlier in the day. The company told me that they could not verify my phone number and I would have to wait for a bank verification by phone or mail. 

When I attempted to use the card, I was declined. At that point I contacted customer service and was informed that my account was locked until it was verified. The person would not answer my questions about how that could be or how long it would take to unlock and was extremely terse throughout the entire encounter. I attempted to close the account and was informed that they could not close my account as it was locked.

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 2021-04-15
Company: CITIBANK, N.A.
State: VA
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:
On XX/XX/2021 I attempted to purchase a pair of pants from a store while on vacation. The pants were never sent to me, thus I contacted my bank Citibank given that it was purchase via my debit card. 

Citibank first placed the funds back into my account, but sent me a letter requesting more information which I sent BOTH via fax and via USPS mail. They reverted the charges claiming that they did not obtain the letter, which they did obtain given that they responded to me via mail. 

Thus, I have been over {$250.00} for a materials that I have not received and they are not wanting to help me resolve the issue. As a bank they have failed to protect my money, and their customer service has failed their customer. 

I want this resolved as soon as possible! 

Sincerely, 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 2022-09-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Equifax shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX XXXX Open Date XXXX XXXX, 2017 Balance : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On   XXXX    , I sent a certified letter to Transunion in order to dispute information, in regard to collection agency on my credit report. They received the letter. On   XXXX   XXXX   XXXX    , I received an updated copy of my credit report stating that  XXXX   XXXX  is verified as accurate and updated. I have never had an account with  XXXX   XXXX . If it is verified an accurate, I would like the documentation that Transunion has that show that this is verified and accurate. As  one  of the largest Credit Reporting companies, TransUnion should be well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a  " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). Under Section 611 ( 5 ) ( A ) of the FCRA - TransUnion is required to " ... promptly DELETE all information which can not be verified. ''

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 2022-09-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/22 I transfer XXXX to a local bank on the app. 10 minutes later wells fargo put my account under montartary block on my account my account balance {$320.00} wells fargo took my debt card option away also they have a block on my account no way I can get {$320.00} they want me to go to the branch but the branch closed have to make a appointment. How I'm supposed to take XXXX out of my account when they have a block on my account can't make no transfer payments I feel I should be able to make transfer payments. My account was supposed to close last month but it's still open cause I had a negative balance

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 2017-08-28
Company: EQUIFAX, INC.
State: IL
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:
On 5 separate occasions I contacted Equifax in regards to unauthorized fraudulent inquiries showing on my credit report. On my last call that I placed on XX/XX/XXXX the representative from Equifax advised me that the inquiries ( Equifax Mortgage-XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, and XXXX/XXXX-XX/XX/XXXX ) would be removed as fraud since I do have an active fraud alert on my file. I received an updated report online and the inquiries were NOT removed but instead I was sent an explanation stating that inquiries are factual data and can not be removed. I contacted the creditors that obtained my report and asked them to remove the inquiries due to them being fraud and have been unsuccessful. I was told that I would need to contact Equifax. At this point these inquiries are hindering my ability to obtain credit and need to be removed as FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Credit Union Mortgage Association, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I  XXXX   XXXX  was denied refinancing f rom Credit Union Mortgage Association  due to interior appraisal. No details were provided to me. Appraisal structure is fine {$300000.00}.   I currently have an existing mortgage with  CUMA  sinc e   XXXX   XXXX  .They clos ed the application with no chance of remedy. I received no consideration for providing a remedy.

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 2022-09-01
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The debt collector XXXX XXXX XXXXXXXX XXXX They already sued me for the balance of {$640.00} they said that I have been using the amount for my JC Penney credit card for shopping, the account does not apply to me because someone has been using my information my I.D, S.S, and opened this account in Nebraska XXXX and I never lived there before and that account has been opened my someone in XXXX Nebraska and the address was XXXX XXXX XXXX, XXXX, Ne XXXX and In the same year XXXX I was having issues for my federal tax and I have a case already with IRS so please investigate this problem. 
Thank You

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 2021-09-23
Company: Paypal Holdings, Inc
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from a company called XXXX XXXX XXXX stating that they would obtain a judgement against me if I did not pay money to them for a collection account for PayPal within 30 days of a letter dated XX/XX/21 and postmarked XX/XX/21. 
1 ) Ive never had a credit account with PayPal and when I called the number listed I was on hold for 2 hours on three separate occasions.

This is harassment and a bullying tactic and I want this to STOP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I demanded to see verifiable proof ( I.e ; an original consumer contract with my signature on it ) and Radius Global Solutions LLC has failed to provide verification of documentation. The documentation that they provided was a bill that someone or anyone has used my name on to obtain goods or services from said company. I have stated to them that the bill that they had provided does not belong to me, as Im currently a customer of XXXX XXXX XXXX, and have never owned this account, and the paperwork that was sent to me as verification of ownership by Radius Global Solutions, LLC, well it does not show my signature as verification that this account belongs to me. I have requested that they remove this account from my credit report, because they have failed to provide proof of original signed contract with my signature showing proof of ownership according to the laws set forth by the FCRA.

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 2017-04-07
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The amounts applied to principal and interest vary widely each month. 
For instance In XX/XX/XXXX - {$140.00} to Principal and {$91.00} to Interest In XX/XX/XXXX - {$23.00} to principal and {$210.00} to interest This has continued every month for years. And the lender customer service rep will not or can not explain why and refuse to help me understand or resolve. The loan has not been paid late is not in default. And has always been in good standing. Univ XXXX - XXXX program Stafford loans subsidized and unsubsidized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/XXXX Filed a dispute against XXXX bank on my XXXX credit report I have no knowledge of this they keep saying it is proven dont give me how reasons why XX/XX/XXXX Filed a dispute with XXXX about XXXX XXXX showing up on my credit report I have no knowledge of this I say it was proven that its mine and gives me no reason why but I have no idea what this says they will not remove it XX/XX/XXXX XXXX once again will not remove XXXX off my credit report I do not know who they are it is not mine or knowledge they will not remove it they keep telling me that they they found that it is mine but no other information XX/XX/XXXX Filed dispute with XXXX About XXXX XXXX XXXX my account is paid off but there was a repo on there that I have no idea about the car was never re-Poed I actually paid the car off they will not fix it or 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 non-monetary relief