BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home XX/XX/XXXX and M & T bank was assigned as our mortgage company. We recently discovered on XX/XX/XXXX that our monthly mortgage payment has increased by {$310.00} a month without any notification via letter or email from M & T bank due to our taxes and homeowner 's insurance increasing by {$1300.00} for the year. However, M & T bank created a reserve escrow account in which they are collecting {$3800.00} for the year rather than {$1300.00} which is a difference of {$2400.00} extra. They said they do their escrow analysis every XXXX but we NEVER received any correspondences from M & T bank that our monthly mortgage payment would increase due to a reserve escrow account until we logged into our account on XX/XX/XXXX to make a payment and discovered it increased. Then when we called M & T bank on XX/XX/XXXX we discovered that we were supposed to have received a refund check in XXXX of XXXX for {$540.00} that we NEVER received! This was due to paying over in our escrow as well! M & T bank said they would reissue the check for {$540.00} this month to us and that we will go through the same process again next year for this years overpayment in escrow! They are charging us DOUBLE in escrow for the year what we need to pay!! My husband is a Veteran of the XXXX XXXX and this is a VA home loan and we have NEVER experienced anything this shady before! We have been with XXXX XXXX, XXXX XXXX and a bunch of other lenders and this is the first time we've encountered anything like this! Please help us!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have attempted multiple times to get accounts : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off of my credit report due to no physical proof of me signing any legal contracts with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
For the last 3 months i have tried to fix this issue with the major 3 credit bureaus. Unfortunately all 3 of them are not professional taking action to this matter. I was told that the Fraudulent/inaccurate account was VERIFIED and that it belongs to me. After requesting documents from them as a proof of my signature or anything that it shows it belongs to me. They weren't to clarify or verify anything with me, instead they sent me letters mentioning that they DONT BELIVE that i have sent the dispute letters etc. 

I have done the way they required from me but after all without results or being taken serious with this matter. Please help me to remove this Fraudulent account from my credit report. Thank you for your time and effort to this matter.

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 2020-07-30
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I requested a deferment through the CARES Act on my Citibank card. I was granted a deferment. During the last 2 months they continued to charge interest. I realized this was happening when I received an email that I went over my credit limit. Knowing I had not used the card, I found out it was because of the interest they were charging me that put me over the limit. I do not want to be over the limit and was doing everything possible to remain in good standing on all fronts so I called them to inquire what I could do to ensure that wouldn't happen. They said I could pay ( even while under the CARES Act deferment ) to ensure that wouldn't happen again during the deferment ( which for me is set to end on XX/XX/XXXX. I paid a sizable amount to not only bring my account under the credit limit, but to also ensure that I had some breathing room and I wouldn't go over my credit limit again due to interest charges. 
Fast forward to today when I receive a letter that my credit limit has now been decreased ... which is yet another thing to affect my credit score. I have spent hours of my life before and during the pandemic inquiring about how to get on a payment plan with 0 % interest so that I could pay down my balance. I was told that during the coronavirus deferment period, I can not be taken off of that status to consider another program. I was told to call back on XX/XX/2020. 
So, although they have made consumers believe we are 'safe ' from credit card payments during the CARES Act, I had to make one to keep 'current ' due to interest charges and then only to have my credit limit decreased. I will have to make another minimum payment in order to not be over my limit again next month due to the interest they will charge me for past purchases. Therefore, I have not gotten any kind of 'break ' due to the coronavirus deferment that I can't even get off of until next month. 
They seemed to have found a way to thwart a consumer 's desperate need to keep current and in good standing during this awful time where so many are out of work. Once I pay this card down I will never be their customer again. It is abhorrent that during this time when they pretend to help their customers, they are actually finding the other ways they can make money and hurt the consumer 's credit. Regardless of my current circumstances and deferment, they are betting on me paying so I will not go over my credit limit again. I would've just paid during the past few months if I knew this was going to happen. And, I would have ended up in better standing with Citibank. This was the exact opposite of what the CARES Act was meant to do for 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 2023-11-20
Company: Experian Information Solutions Inc.
State: MO
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Personal information incorrect

Complaint:
I have contacted this credit bureau numerous times regarding incorrect personal and past history information on my credit reports. There is a mixed file and someone elses information is displaying on my account. I have sent a physical letter to their agency stating this and have included copies of my drivers license, passport, and social security card. I have also submitted disputes online through their website and still the problem has not been fixed. They say that they need to investigate more and that I need to send them copies of documents that I have already sent them, but they do not solve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: TX
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.

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2024-01-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I wrote a check on XX/XX/XXXX that was stolen. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my local branch sent out a notarized Affidavit of Forged or Altered Checks, each filled out slightly differently. I don't know the details, but apparently they were denied. I went back to the branch yesterday, XX/XX/XXXX, and was told that it takes ten days to process.

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 2023-07-07
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:
Recently, I did an investigation on my credit report which caused severe disappointment upon me finding unverifiable, invalidated, inaccurate, and questionable items that the credit bureau agencies did not make sure was 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: TX
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:
There has been multiple attempts to understand these discrepancies with no or very little assistance from the companies or the government. Endless calls and conversations on multiple accounts throughout weeks in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I submitted a bill pay to my XXXXXXXX XXXX XXXX from capitalone mobile XXXX on XX/XX/22 from my checking account. Before submitting the bill pay it said it would be delivered within one business and be sent electronically. After submitting the payment i got an email saying that Capital One is mailing a check to XXXX which will take 5-7 business vs what showed up BEFORE submitting the payment. I called capitalone about cancelling it and they said the only thing I could do was to dispute and it would take 90 days to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 was checking on my credit report and I noticed hard inquiries that belong to someone else

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I never received the response in the mail as stated in a previous complaint filed against the same banking institution. On XX/XX/2023, I reached out for the 17th time to initiate a claim for fraud for a total amount of approximately {$40000.00}. I did the same on XX/XX/2023, and even went to a branch and sat there for over two hours to try and file a claim. I called today, XX/XX/2023, to the fraud department to obtain a case number or anything, and was bounced around to person to person and never was connected to anyone who could take the claim information or answer a single question. In 3 hours and 45 minutes ( Three hours Forty-Five Minutes ) of bouncing around with all the different representatives at Wells Fargo not a single time could I accomplish the purpose of my call. Each and every time I have contacted the Fraud Department at Wells Fargo or even call the bank I am not able to file a claim of fraud. This was the entire reason for me filing the first complaint with the CFPB which did absolutely nothing. The bank still has not allowed me to file the claim of fraud and there are too many checks to list in this complaint. I am tired of constantly wasting my time with this banking institution. If I can not get the claim filed how can anyone be held accountable for the fraud which I might add is a Class-D Felony. The Power of Attorney was allowed by the bank to cash and write checks and sign them as POA, which the POA had not been authorized to do on the account. Double-endorsed checks were accepted multiple, multiple times at the teller window. Endorsed checks did not match that of who the Pay to line is made out to or it was altered. The list is extensive and if this matter is too big for the CFPB or Wells Fargo 's Fraud Department, then I need to know who to file the complaint with as I do have tangible proof of the fraud. If you can graciously provide me with who to contact since the CFPB can not assist with fraud, I would be more than happy to contact the correct department. I will keep filing complaints with the CFPB, till I get a resolution to the fraud complaint that has not been filed in close to a year, not for lack of trying on my part, but for lack of the bank for not assisting the customer and educating their employees on how to handle fraud complaints. Even the XXXX XXXX XXXX XXXX who I spoke with the associate XXXX can not help with filing a fraud complaint. The amount of time that Wells Fargo has wasted and caused me to waste exceeds the amount of my salary I make in a year. I WANT THE BANK HELD ACCOUNTABLE! If I can not file a complaint or report fraud with the fraud department who am I supposed to report it to?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 my husband and I deposited a check from XXXXXXXX XXXX  from the proceeds of the sale of a vehicle for {$20000.00}. I received a receipt from the bank stating that the funds would be available on XX/XX/2023 and the member service representative who deposited the check said the funds would be available on Monday XXXX requested an online transfer from my business account at XXXX XXXX for {$7500.00} to be processed today XX/XX/2023. I checked my XXXX XXXX account on XX/XX/2023 and the bank online balance showed the {$17000.00} was available for withdrawal. I requested the transfer from XXXX XXXX which is pending based on this information. I logged into my account this morning XX/XX/2023 with Navy federal and now the funds are not available. They placed an additional hold on the funds and removed availability. I was never told by the member service representative that there could be an additional hold, and nothing was printed on my receipt to tell me otherwise. This is extremely misleading to a consumer and business owner. There needs to be another way to notify members that there will be or could be a hold placed on items just based on what someone feels for that day. There should have been something printed on my receipt that says there could be an additional hold placed on the item. Also showing the funds were available and then removing it from my account is very concerning to me that they can just do this without any recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2021-07-30
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit and ERC was reporting an XXXX XXXX charge for {$54.00}. This never should have been on my report, I was and still am a XXXX XXXX customer. 

So I stupidly paid this error, thinking it would be removed off my credit. No, after disputing it to XXXX  & XXXX  and mailing a direct letter to ERC, no response at all? 

As you can see, XXXX  did not do an investigation, there is not XB dispute code? Someone or both have committed a FDCPA violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: VA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The complaint - I initially went to the Experian.com website on the morning ( PST ) of XX/XX/2023 to put a credit freeze in place and the only option offered to me was to sign up for a monthly service at {$24.00} per month or call their Fraud department. I initially sought out the CFPB to complain about the required payment for a service the other agencies offer for free. It seemed to me Experian was making money providing credit services and it didn't make sense that I should need to pay to protect myself from fraud. It also seemed self serving to place a cost barrier to protecting oneself from fraud. 

Then something interesting happened. I was doing research on the CFPB website and signed back into my Experian.com account to make sure I had the right company name. I was now able to freeze my account for free, which I did. 

I can't prove what I saw when I first logged in ( no screen prints ), but I bet that's exactly what Experian relies on - having deniability. 

On my second login I'm betting their software either noted that I had accessed the CFPB website or because it was my second login now gave me the option of freezing my credit for free. 

I'm sure the CFPB has many more pressing issues to look after and this particular behavior I saw had to be embedded in the software logic. Something I'm sure would be difficult to uncover. 

I wanted to file this complaint just in case others have experienced or will experience what I did. 

No response necessary. I'm sure Experian would deny or suggest I made some error along thte way.

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