BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-21
Company: M&T BANK CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
We were a customer of peoples bank with an account ending in XXXX established in the year 2000. 

Recently M & T bank took over. We have a checking account that monthly receives XXXX rent payments from tenants. In XXXX and XXXX M & T started rejecting our tenants rent payments but did not make us aware of the rejections. The tenants then had to notify me that their XXXX payments were being rejected. These are the exact same XXXX payments that come in with regularity each and every month from these tenants. 

I called M & T and inquired about this issue and they found no issues or fraud warnings assigned to our account that would cause this and subsequently lifted the block on our account so that the tenants could pay their rents. 

Then in XXXX XXXX M & T XXXX XXXX complete access to their online banking. No one could tell me why. I spoke with Customer service, the fraud department and they made me speak to the local Branch ( Branch inside XXXX XXXX XXXX in XXXX CT ) where I originally opened the bank account in 2000. The bank kept passing me around with out any resolutions. In total approx XXXX hours was spent on the phone with the bank including having to wait in the long queue for this fraud department. 

No one was able to help me but the local bank also has no active XXXX on site. A young woman did try and help me but stated the only way I could have access to my online banking was to come into a branch and physically hand my identification to a bank employee. They are fully aware of our residence because our mailing address on our account and which I confirmed with them is a South Carolina address 23 years we have had this bank account and have had XXXX incidents. We recently moved to SC from CT and I am not able to physically go XXXX of their bank Branches. I offered to answer any questions they might have as well as to provide a copy of my ID or do a phone/video call. None of this was acceptable and they refuse to allow access to my online banking. I have since closed my account but now have no access to any of the historical data and statements and will not have them available for tax season.

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 2023-12-04
Company: EQUIFAX, INC.
State: CA
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:
XXXX CREDIT REPORTING AGENCY REFUSES TO FOLLOW THE LAW AFTER I SUBMITTED A IDENTITY THEFT POLICE REPORT TO REMOVE AND BLOCK FRAUDULENT ACCOUNT FROM MY FILE. THEY REQUESTED THE POLICE REPORT AND I PROVIDED IT HERE IS THERE REQUEST

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: EOS Holdings, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
on XXXX XXXX this company EOS CCA Opened a collection. 
XXXXXXXX XXXX that I own I have never signed any written documents saying that i own this debt to the collector. 

They are violating my right of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end Also, they not verified that I own this to alleged company. 

Please have this removed from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

Account name and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX BANK XXXX XXXX ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX BANK Account # XXXX. 

XXXX. XXXX Account # XXXX XXXX. XXXX FINANCIAL XXXX  Account # XXXX XXXX. XXXX  XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX 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 an 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, other than records of convictions of crimes which antedates the report by more than XXXX 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 2019-10-08
Company: Experian Information Solutions Inc.
State: TX
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:
Hello, I am writing this complaint involving a XXXX account listed on my credit report after several attempts to resolve it directly with both XXXX XXXX Experian myself. I dont want to waste a lot of your time so Ill make this as brief as I possibly can for you. Basically XXXX had been reporting incorrect data on my credit report so I reached out to them to dispute the information. They responded with a letter that I have included which stated they had properly corrected and updated my report. Unfortunately that was incorrect because nothing changed on my report. As you can see in the letter they provided, the charge off happened XX/XX/XXXX and was paid in full on XX/XX/XXXX. My first dispute addressed the fact that they are still reporting as charge off for 3 consecutive months even though the balance was paid in full in XXXX. XXXX refused to fix the incorrect information so I disputed it directly with the Experian and they failed to fix the issue as well. My biggest issue at this moment with Experian is that my most recent dispute with them has caused a significant error in reporting that is currently affecting my credit score and credit worthiness. After my recent dispute Experian basically removed all of the previously listed Charge offs that were reporting and instead listed them with No Data. However, what they also did was report this account as being recently charged off for XXXX which is absolutely incorrect and is most certainly re-aging this account to make it look like I just recently missed a payment. I will not allow Experian to get away with this frivolous reporting on this account. They made the whole situation worse because I havent missed a payment on anything since XXXX but it looks like I did in XXXX of XXXX. I would appreciate if this issue could get resolved ASAP as it is affecting me negatively while Im trying to make a home purchase. Thanks in advance for taking the time to help me resolve this issue.

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 2023-10-08
Company: Experian Information Solutions Inc.
State: FL
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:
After checking my credit reports I am writing a second time to inform these companies that they are unlawfully reporting unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile. I also do not have any knowledge of these inquiries that have been unlawfully reported, no accounts or contracts are shown for these inquires as well. I have not initiated any transaction with the following accounts : XXXX XXXX ( Finance ) which have been reported twice without my consent. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Furthermore, I do not have an account as defined. 
under 15 U.S.C. 1693a ( 2 ) with these company 's name for review or collection.

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 2023-06-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This ordeal started on XX/XX/2023. My brother sent me a check closing out the estate of my deceased father. The check was written in the amount of $ XXXX. I deposited the check into my Chase Savings account. They said there would be a two-week hold on the check due to the large amount, which I totally understand. However, my brother mistakenly wrote the check from an account which was held by him and my father jointly. Since my father was deceased, the check bounced back to my brother 's bank, XXXX. My brother then ordered new checks with his name only on them, and sent me a new check. I deposited the check and was told again by Chase there would be a hold. No problem. However when my online account said the money was available I could not access it. I called Chase to find out what was going on and they said the account was suspended due to suspected fraud because of two checks sent by the same maker for the same amount. My brother tried to the recall the check but it was too late. Chase has now closed my account and has my XXXX in " suspension '' until they can verify him through XXXX phone verification. For some reason his two phone numbers can not be verified. We have done everything. We went to the cell company and made sure the phone is registered to him. We double checked that the land line is in public records. We offered to come into a branch with all of our identification including death certificate, state ID, birth certificates, anything they need. The Chase reps say the ONLY way they can verify is through phone numbers. I have called almost every day for updates. I have gone to the local branch and spoken to the manager there. I have asked for managers, supervisors and have only been told the same thing. I'm also told by Chase that if I hire a lawyer, I forfeit my right to check on the status of my money because everything will have to go through legal. Also I don't want to pay a lawyer. I also called my congressman whose office told me they can't offer legal advice. I don't want legal advice, I want to know what the law is, how long they can do this to me, and what resources are available for me. Please help me! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-19
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a vehicle from XXXX XXXX in XXXX of XXXX  and signed a purchase agreement with me as the buyer and XXXX the seller of the vehicle which is a XXXX XXXX once we were done with the agreement I was given the vehicle with out the title keep in mind that a purchase agreement is a security by legal definition which means that it can be sold, transferred and cashed when properly endorsed for payment in full for face value, but for some reason they have been collecting a debt from me because at point I didn't know that I was the originator of the funds at that time, also keep in mind that they state that I have an account open with them and I never agreed to an account being opened which is a form identity theft. I called pertaining to the account and asked them who the original creditor on file to which they informed me that I was in fact the original creditor. Further more I asked that they send me the title of the vehicle to which they have yet to do which they do not have a XXXX public financing statement to. I also sent a cease and desist communication alongside of submitting an identity theft report with the FTC. I myself have filed a XXXX financing statement proving that I am indeed the sole owner of the vehicle with approval of the secretary of state of Georgia. I would really appreciate the start of a thorough investigation.

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 2021-03-16
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-01-15
Company: EQUIFAX, INC.
State: FL
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 a victim of identity theft. These items are not transactions conducted by me as the consumer. 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Citibank XXXX XXXX credit card that I do not remember applying for. I do not have a confirmation email that I applied for it. However, I did receive an email that the cards was delivered.

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 2021-03-16
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my second complaint submitted to this company since they responded but did not respond to what was requested by me, which was to validate with physical information that I was the owner of the account that they published in my credit report. They replied that there was not enough evidence and that the vehicle was replaced at the address where the account was opened. Today I sent you a correspondence via email requesting a very respectful investigation according to the federal guidelines of the fair credit law. I sent them physical evidence that validates that I am not the person responsible for this account since they requested more evidence. I am going to attach to this complaint all the documents that I sent you today where they show that I did not live at this address and even shows a false driver 's license that a person used to open another account that was already disputed and eliminated even more. I sent them a picture of my real driver 's license and sent them the florida website where they can validate which license is real and which is not. This account is doing me a lot of damage and outside says that they could validate that the account is mine but in all the letters they send me do not validate me with any document that shows that the account in mine, I have sent several documents validating that I was a victim of fraud and they are not paying attention to these documents, but today as I mentioned I sent you substantial evidence that proves what I argue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CITIBANK, N.A.
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a customer of Citibank on a couple occasions. Most recently, I applied for and received a credit card to take advantage of an introductory offer for balance transfer. From XXXX of XXXX of XXXX I had spent and paid {$26000.00} dollars on my active account. 

Every payment that I made on my account was over-paid ; at least XXXX dollars per month, even though my minimum monthly payment was always below XXXX. Some instances included massive XXXX and XXXX dollar payments. On my primary card with XXXX, when I overpay - the following month won't show a balance, not sure if this is the case with Citi because I had automatic payments set. 

In XXXX XXXX XXXX I made an adjustment on how my banking accounts were dispersed due to XXXX that resulted in a returned payment in XXXX and again in XXXX XXXX XXXX. Both payments that were reversed were immediately paid by me using a different account as soon as I was notified by Citi of a problem. Again, I made every single monthly payment always in excess of the minimum amount due. Both XXXX and XXXX 's payments were immediately resolved and pad in the same month and in excess as all others. Finally, in XXXX the same situation occurred as I changed my accounts back to the normal configuration ; immediately upon notification I rectified the situation in the same period and have continued to pay in excess of my minimum due every month. Even though I communicated this to the customer support as soon as I was made aware, this did not affect the decision to terminate my account. It seems excessive to shut down a positive account from a low risk client who spends a significant amount of money with Citi and always overpays, never skipping a payment during a global pandemic. Had I made manual payment, this would have never occurred, however, due to the use of automatic payments and the slow notifications to the consumer, I have now been cancelled. Had this been my XXXX card, I wouldn't have even had a minimum payment die because the payments were so high and frequent, sometimes more than once or twice a month. This seems like bad business to me, especially during these times. I am embarrassed and insulted to be rejected as a result of my loyalty and consistent positive account stewardship.

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 2019-05-26
Company: Experian Information Solutions Inc.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed .. 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