BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: EQUIFAX, INC.
State: PA
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, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Changes in terms of what was offered/advertised On XX/XX/XXXX I applied for and was approved for the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX airline miles promotion once the cardholder spends {$3000.00} over 3 months. 

I would NOT have opened the account IF I was notified that I was not eligible for the XXXX airline miles promotion. 

After meeting the promotion requirements I expected to see XXXX airline miles in my account. By the end of the month of XXXX, I had not yet received what was advertised. I called American Express to follow up on the promotion. They initiated an investigation into why I had not yet received the miles. I was advised that a decision on the investigation would be finalized no later than XX/XX/XXXX. On XX/XX/XXXX, I spoke with the American Express customer service billing team XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) who confirmed that I have met all of the eligibility requirements and that she can see that I applied for the XXXX mile promotion. But at the time she did not have an update on the investigation but stated it may have been an Amex error. 

It has now been more than XXXX weeks past the time I should have received what was advertised and I have no other choice than to initiate a complaint to get the XXXX airline miles ( retail value {$2400.00} ) I deserve. 

It is now XXXX, I have not heard back from the company with any resolution from the investigation that was initiated in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
M & T Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has placed and illegal block on my Guardianship checking account and will not remove the block after many phone calls and branch visits. The checking account was opened on XX/XX/23 and the savings acct on XX/XX/23. The court order from the Delaware court of chancery was presented, and copied by XXXX different Bank associates on XXXX different occasions. The order clearly states that an account must be set up to receive the direct deposit from my sons job, and that the allotted amount XXXX may be transferred form that acct to another account, and that account may be used to complete transactions needed ( not to exceed the allotted amount ). Instead of placing the block on the savings account ( acct that receives the direct deposit ) and liftering the hold on the checking to allow transactions to occur via the debit card ( as stated in the court order ), the Bank has blocked transaction on both accounts, not allowing me access to any the the funds that i have been granted access to by the court. i went into the office today again with the XXXX XXXX and showed the associate XXXX XXXX XXXX # XXXX which clearly stated that this could be done. He agreed but said he still couldn't remove the hold. I requested that XXXX call his manager XXXX XXXX about XXXX times before he agreed. Once he called her, she advised him to just " submit another request '' and that i would not be able to have the hold lifted today. When I requested to speak with her, she told XXXX that she " was not taking any customer comments right now '' and refused to speak to me. XXXX also said that if they do decide to lift the hold, they will have to order me a new card, I explained that i did not want a new card and wanted to keep the one i had since it took about XXXX weeks to receive, He said that I will still have to get a new one. I left the bank still unable to access my funds and without the Bank being willing to comply with the court order. I have called the Bank at least 6 times within the past week and was specifically told to visit the branch to resolve the issue... yet when i visit the branch nobody can assist. This is an unlawful block on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/2021 Attached are document to prove my identity, FULL NAME, ADDRESS, SOCIAL SECURITY, BIRTH CERTIFICATE. Under consumer law, I REQUEST MY SOCIAL SERCURITY NUMBER BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX Code SUBCHAPTER IIICREDIT REPORTING AGENCIES. Consumer law XXXX XXXX XXXX XXXX - Disclosures to consumers

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 2022-06-11
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:
Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Type of Account : Collection Account Public Record : Case Number : Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Collection Account : XXXX XXXX XXXX Account XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Paid Account/Late Payments : Account Number : Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely,

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 2022-12-10
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX STATE OF MI XXXX XXXX XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-12-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mt corvid 19 forbearances ending 0n XX/XX/2021. I do call and request a regular payment also requesting special help and any program to extend. They recommended another department for a loan modification to lower my monthly payment so I contact that and fill out the paper but they need documentation ( WellsFargo needs a financial report After the year XXXX I requested it and still waiting that I couldn't get it from my Co-op bank. ( Phone conversation recorded ) Therefore I started making payments on XX/XX/XXXX and XX/XX/2021. However, Wells Fargo wants all the payments at once during the forbearances period. And XXXX XX/XX/2021 I have got Foreclose Notice by mail. 

I am so confused and Don't know what to do. All I need extended forbearance or another help and I filled all the paperwork Also I made all the regular payments after the forbearance period ends. 

I requested 3 times please back to my normal payment and I made a payment but I got forclose notice I need help. 

Thank you for reading this grammarless writing once again I need help. 

My monthly payment is {$430.00} I've received notice of intention to foreclose XX/XX/2021 Total overdue {$7800.00}

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 explanation
Consumer complaint received 2018-04-26
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was speaking with a representative after I discovered an error. I used the loan payoff calculator on the XXXX website to pay off the balance of three of my loans. When I checked the next morning there was still a balance. After speaking with them they admitted a mistake and were submitting a request to get the payment reapplied to remove any balance that I had. However that got me thinking, what else have they messed up? 

I called furiously requesting them to review my account in whole which they said takes a while. Only takes 1 day for them to take the money out of my account, how convenient. 

Anyways I called back and started asking about how they calculate interest and how many days are included. Using the sample of my payment on XX/XX/XXXX they said it was 29 days. My last payment had been on XX/XX/XXXX. The employee said I paid 29 days of interest for the XX/XX/XXXX payment and 32 days of interest on my XX/XX/XXXX payment. But insisted that the XXXX wasn't included twice. When you calculate the days, 29 days worth of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX. Additionally, 32 days of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX as well. I believe they are doubling up and adding additional days of interest to each payment received. 

I am going to calculate on my own, but wanted to send this to you just in case you have seen this in the past. 

Hopefully all of this made sense and it wasn't just me rambling for two paragraphs. 

Thanks for the help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: AMERICAN EXPRESS COMPANY
State: MD
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 had a XXXX credit limit with American Express. I NEVER missed a payment and had a 100 % payment history. Once the pandemic hit I still managed to pay AMEx with no problems I made it a point to no be late or miss a payment In hopes I would have the extra XXXX that I didnt spend for emergencies which was strategic. Then I receive a letter in the mail that they reduced my credit limit from XXXX to XXXX for no reason at all. Stated that they checked my credit report without my consent and said I fell not the risk category. Even though I never missed one payment or was late EVER. Which in turn made my credit report drop drastically because now it looks like I maxed out my credit cards and live off my credit took my credit score from XXXX to now XXXX! XXXX also decreased my credit limit as well all around the same exact time XX/XX/2021 time frame and my credit has been messed up every since when I was paying on time. How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) 3 Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Truist, the old SunTrust, overnight change the way they process debits and credits. For 15 years it has always been the same and I know what nights they process and what nights they dont. They have change that with no notification to their customers so that they can bounce checks on people and charge fees. They are also now holding transfers from one SunTrust account to another which they have never done. They have always been instantaneous. This new Bank is a total mess and its causing me tremendous problems in trying to navigate the new system which they are keeping a secret from the 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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
During XX/XX/XXXX was out of school for 7-8 months. Was unable to pay ~ {$600.00} amount that had left deferment in XX/XX/XXXX/XX/XX/XXXX. Went back to school a month after I was notified of amount needing payment ( XX/XX/XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the XXXX XXXX XXXX XXXX XXXX, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 

Submitted a dispute with Transunion in the past, XX/XX/XXXX with no resolution from agency

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 2021-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One- I paid the entire balance off after becoming unemployed due to serious health issue then I was told I couldnt get credit on account. There was no balance at all for several months because it was paid the representative was not honest after I paid the card in full so they just wanted balance paid. 

XXXX XXXX- I paid the entire balance off after becoming unemployed due to serious health issue then I was told I couldnt get credit on account. There was no balance at all for several months because it was paid the representative was not honest after I paid the card in full so they just wanted balance paid.

Company response to consumer: Closed with explanation